Summary
The user is being sued by a collection agency for a credit card debt over $4000 in Indiana. The user was informed about their right to request debt validation, defend themselves in court, and seek legal aid services. The user was also informed about the statute of limitations for credit card debt in Indiana, which is 6 years. The user was advised to negotiate a payment plan or settlement with the collection agency. The user was informed that Social Security income is generally protected from debt collectors and that these benefits are exempt from garnishment by creditors in Indiana. The user was provided with contact information for legal aid services and the Indiana Pro Bono Commission. The user was also informed about the possibility of filing for bankruptcy to discharge certain debts.Full Conversation
I am being sued by a collection agency. I have no money and can't afford a lawyer
What state are you located in, ****? In many states, you can request a court-appointed attorney if you can't afford one.
Indiana
What is the nature of the debt you're being sued for?
In Indiana, you have the right to:
- Request validation of the debt.
- Attend court and defend yourself.
- Seek legal aid services if you can't afford a lawyer.
Credit card...
What is the amount of the debt you're being sued for?
In Indiana, for credit card debt:
- The statute of limitations is 6 years.
- You can negotiate a payment plan with the collection agency.
Over *,*.*
What is the name of the collection agency suing you?
In Indiana, for debts over $*:
- You may be eligible for a court-appointed attorney.
- You can request a payment plan or settlement.
LVNV Funding LLC
What is the date of the last payment you made on this debt?
In Indiana, the statute of limitations for credit card debt is 6 years. If you haven't made a payment in 6 years, the debt may be uncollectible.
May, *
Since your last payment was in May *, the debt is within the statute of limitations. You can request a payment plan or settlement with LVNV Funding LLC. Is there anything else I can assist you with?
I'm on Social Security, * + years old with health issues. It takes my whole check to live on and is gone long before the next check comes
Are you aware that Social Security income is generally protected from debt collectors?
- In Indiana, Social Security benefits are exempt from garnishment by creditors.
- You should inform the court about your source of income.
I hate messaging... I'm not the best at expressing myself but would rather speak on the phone.
I understand your preference for phone communication. Unfortunately, as a chat-based service, we can only provide assistance through messaging. Is there anything else I can help you with?
I wrote to the court and explained my situation...they granted me a 30 day extension.
That's good to hear. Do you know what your next steps are after the extension period? In general, you should:
- Continue to communicate with the court
- Seek legal aid services
- Inform the court about your income source.
No... I have no idea what I'm going to do, or how to do it. I don't even have a car.
Have you considered reaching out to a legal aid service in Indiana for assistance? They can provide free or low-cost legal advice.
- Indiana Legal Services: (*) *-*
- Website: www.indianalegalservices.org
That's what I'm trying to do. I was looking for lawyers who do pro bono work. I'm totally lost and scared .
Have you tried contacting the Indiana Pro Bono Commission? They might be able to help.
- Indiana Pro Bono Commission: (*) *-*
- Website: www.in.gov/judiciary/probono/
No because I have no idea what's available out there and none I know does either.
Would you like me to provide you with more resources or organizations that might be able to assist you with your legal issue?
- Indiana Legal Aid Society: (*) *-*
- Website: www.indylas.org
- Indiana Legal Services: (*) *-*
- Website: www.indianalegalservices.org
- Indiana Pro Bono Commission: (*) *-*
- Website: www.in.gov/judiciary/probono/
I'll probably end up in big trouble because I can't pay. If I could I would...I really hate this.
I understand your situation is difficult. Have you considered filing for bankruptcy? It might provide some relief from your debts.
- In Indiana, bankruptcy can discharge certain debts.
- It's advisable to consult with a legal aid service before proceeding.
I would but there again...no money.
I understand your situation. Have you considered reaching out to a bankruptcy clinic? They often provide free or low-cost services.
I was trying to Google places...nothing seemed to fit....didn't see anything about bankruptcy clinics though one place might have worked but even though they said it was free they wanted * dollars and I'd need a credit card
I understand your concern. Have you tried contacting Indiana Legal Services? They might be able to guide you to a suitable bankruptcy clinic.
Indiana Legal Services
Phone:(*) *-*
Website: www.indianalegalservices.org Thanks...I'll try them I guess.
Is there anything else I can assist you with?
No thanks. Thank you for your time and the numer
You're welcome, ****. Don't hesitate to reach out if you need more help in the future. Good luck!
Thanks..bye.
Is there anything else I can assist you with?
TRY ME!
Start a new chat