I'm being sued for a credit card balance of approx. $5,800. What are my best options? I'm in Houston, Texas.

Here's a funny thing: The card was one of those preapproved things, and it came to me with my nickname on it. I'm being sued under the nickname. Does that mean they can't attach my property if it's not under that nickname? My legal name is something different.

And I got letters from law firms who learned of the suit against me, but I don't know how I can afford a law firm if I get one to settle the thing for me. How much is that going to cost, on average?

Thanks!

You should defend yourself.

I live in Beaumont, Texas and represent creditors; as a result, I believe
I could help you out. If you send me an e-mail with your phone number,
I will try to call you. Send to: Deerhide@aol.com

The first post doesn't tell us the source of the charges. My assumption is that this is a case of identity theft. In which case the name on the card is incidental.

If it is identity theft, I am surprised that credit card company is suing. Credit Card companies are extremely irresponsible when they send out mass mailings for pre-approved cards.

Now, if Charley was the person who made the charges, then Charley is liable for the charges, even if the name on the card was the nickname and not the legal name.

A $5800 credit card bill doesn't just appear from the aether. If Charley was buying things with the card and signing receipts without the intention of paying the bill, then Charley was fraudulently entering a contract with the merchant. Singing legal documents with one's nickname is not an out from the contract.

Many of the Williams, Josephs and Edwins of the world sign Bill, Joe or Ed.

The major question in this case is the identity theft and not the wrong name on the card. The wrong name simply adds to the identity case plea.