Being sued for credit card debt

Question

I am being sued for a credit card debt. I have read that if I request to see the signed credit application, they must provide that or the suit will be dismissed. 1st off, how do I go about requesting that evidence without an attorney? 2nd, It was at an electronics chain and if I remember right, I didn't sign a paper but may have signed a screen. Does that make a difference? And 3rd, I spoke with the collections agency the other day and discussed a payment arrangement or paying in full this week. If I do try to dispute this debt if they don't have the signed application, will they try to use the recorded conversation against me?
I don't want a judgement on my credit. It's not good but I am trying to improve it and a judgement would stay on for 7 years. I want to pay it before that happens but I would like to k ow about the application before I pay it. Thanks so much for any help.

Answer 1

Callandra wrote:
Deesssyy wrote:
You might be better off checking the rebuilding forum for this; but if you're looking at going to court, you might want to seek legal counsel. 2nd, It was at an electronics chain and if I remember right, I didn't sign a paper but may have signed a screen. Does that make a difference? No. You signed for it and it's your responsibility. They can and will show your electronic signature and the big electronics chains usually have cameras at the registers and they may even pull footage showing you signing for it. If it's yours, you are best to owe up to it. And 3rd, I spoke with the collections agency the other day and discussed a payment arrangement or paying in full this week. If I do try to dispute this debt if they don't have the signed application, will they try to use the recorded conversation against me? Not sure about this;  again, you might want to seek legal counsel. 
I don't want a judgement on my credit. It's not good but I am trying to improve it and a judgement would stay on for 7 years. I want to pay it before that happens but I would like to k ow about the application before I pay it. Thanks so much for any help. I suggest paying it at this point; try to work out a settlement/payment plan BEFORE it goes to court. Doing that will save you the headache of a judgement (and you might even be able to get a pay for delete) and depending on your state, it will save you wage garnishment as well. Good luck.  Callandra wrote:
Deesssyy wrote:
You might be better off checking the rebuilding forum for this; but if you're looking at going to court, you might want to seek legal counsel. 2nd, It was at an electronics chain and if I remember right, I didn't sign a paper but may have signed a screen. Does that make a difference? No. You signed for it and it's your responsibility. They can and will show your electronic signature and the big electronics chains usually have cameras at the registers and they may even pull footage showing you signing for it. If it's yours, you are best to owe up to it. And 3rd, I spoke with the collections agency the other day and discussed a payment arrangement or paying in full this week. If I do try to dispute this debt if they don't have the signed application, will they try to use the recorded conversation against me? Not sure about this;  again, you might want to seek legal counsel. 
I don't want a judgement on my credit. It's not good but I am trying to improve it and a judgement would stay on for 7 years. I want to pay it before that happens but I would like to k ow about the application before I pay it. Thanks so much for any help. I suggest paying it at this point; try to work out a settlement/payment plan BEFORE it goes to court. Doing that will save you the headache of a judgement (and you might even be able to get a pay for delete) and depending on your state, it will save you wage garnishment as well. Good luck.  IMHO, I agree with everyone on here.  If you made the purchase, It really shouldn't matter if they have a signature or not. You got the items.  You should pay for them.  I am actually paying off several old debts right now.  Many are beyond the SOL so really nothing anyone could do if I didn't.  But I'm in a better financial situation now.  And can go back and repay.  It's always a personal choice with things like that.  Just how I feel personally.  If u can pay, then definitely do so.  As far as the judgement.  I have one of those from an repoed car from exwife. And I can tell you they are a pain in the $#%.  They seem to stay forever ( each state has different laws of course) and everytime I apply for anything, It is the first thing listed as derogatories so I know it is killing my scores.  Not to mention possible wage garnishment, liens placed on property. Lots of bad comes from letting them get to a judgment status.