Civil Summons for debt...what's next?

[mrenee82]

What is the name of your state (only U.S. law)? NC
I just received a civil summons for an auto loan I defaulted on. I voluntarily took the vehicle back to the bank, and they sent me a bill for $11000 for the difference of what I owed and what they 'supposedly' sold it for.
I plan on responding to the summons, but I'm not sure how. The vehicle was not mine, but my boyfriends at the time, but I did sign for it (I know I was young and stupid for signing for it). My bf just up and left and stuck me with the vehicle, I haven't heard from him since. Do I agree to all of the claims they make in their summons, or do I deny them, making the bank have to prove the debt? I am willing to settle with them, however I cannot pay what they are now asking for which is $13000. Should I get a lawyer?

I know in NC they can't garnish my wages, but can they garnish my bank account? My payroll check is direct deposited into my bank account b/c my employer will not pay any other way. I have been in tears all day b/c of this, and it's ruining my life!

[EastCoastLaw]

No one can garnish anything without a hearing and court approval. Don't let them intimidate you. Contact a lawyer, you will probably get a free consultation. This will not ruin your life, it is just something that needs to be dealt with.

www.bidsfromlawyers.com