Finance House

What is the name of your state? Texas

I'm new at this, so please be patient with any typing errors. At one time I had a Providian credit card and was laid off three times in one year and became unable to make payments. The new job that I was able to get pays much less than the other jobs so I had to choose which bills to pay, and basic living expenses won over the Providian payments. I had no phone, just a cell phone, so threatening phone calls were never a problem.

On June 15, 2002 I found a stack of papers on my front door step from the Tarrant County Court House that said I have been sued by Providian and had 20 days to respond. I responded to both the Court and to the attorney "rrr" that was listed for Providian. I am able to make monthly payments at this point, but there is no way I can pay the entire $5,000.00. I sent a payment of $200.00 (which is all I had) with the letter to the attorney, the check cleared my bank shortly thereafter, but no response from the attorney regarding any type of payment arrangements. I sent two letters to them "rrr"... still no response.

On July 7, 2002 I received a letter in the mail from the Tarrant County Court which reads "Notice of Dismissal" which states "The case has been on the docket of the court for more than 10 months. In order to comply with the Supreme Court on time standards, it will be dismissed unless some disposition is made". It states that they have had no communication from the attorney's office since suit was filed.

What does all of this mean? I am willing to make payments if they will let me, but I can't get an answer from them. I don't want to send any more money unless I can get something in writing from them.

I only have a couple of hundred dollars in the bank, no home to sell, and no car to sell. I was just wondering what they can do in Texas. If they do try to take what little money I have in the bank, will I have any notice, or will it just dissappear?

Any help would be greatly appreciated !