Is buying furniture on credit the same as having a credit car?

Question by Rosalia: Is buying furniture on credit the same as having a credit car?
My mom is being sued by collections for furniture she bought and has already paid for. There suing her for late fees on a credit card but shes never owned a credit card. She bought couches on credit. I’m filling out her complaint against the plaintiff and I am confused when it comes to that. Do I deny it since it was not an actual credit card or does it mean the same thing as buying furniture on credit?

Thank you in advance!

Best answer:

Answer by anywhoo

Basically with interrogatories you would admit to something that you are 100% certain is true, your name and address etc, and deny the things that you are not 100% certain is true, the amount they are claiming, when the account was opened, account numbers, “credit card” when no card was issued, etc.

There are other things to watch out for in a suit. If they have no proof other than an Affidavit of Debt then you should file a motion to strike the affidavit. Also you need to check the statute of limitations (SOL) for your state, if the account is past SOL then an Affirmative Defense of SOL should be included in with the answer to the summons complaint.

You should also Google and read your states Rules of Civil Procedures (RCP).

You might go to the free site that I’ve listed in the source box and for anything that you’re having trouble with, ask about it the Credit Forum. The site is totally free to join (so you can post your question), to read anything on it, to ask any questions you may have and to use anything that you find on it.

Add your own answer in the comments!