What exactly happens during a civil hearing against a creditor?

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What exactly happens during a civil hearing against a creditor?

I have my first court date coming up very soon and was wondering what goes on. Never been to court or been in trouble in my life so I am a bit nervous. I also don’t have a job or funds to pay the creditors and I know i will probably file for bankruptcy in the future. Is it even worth going for if they are going to get judgement anyways? Can you be arrested for not going or not paying the judgement?

Asked on June 15, 2012 under Bankruptcy Law, Massachusetts

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

This can be a very scary thing for people and you need to know that times are tough everywhere and good people get in to money troubles all the time.  Now, it is always better to go and make an appearance rather than "default" but you will not be arrested if you do not go.  This is a civil case not a criminal case.  They will obtain a judgement and try and collect on it in any way possible under the law.  Please speak with a credit counselor.  Good luck.


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