My sons school bus driver is currently under investigation for possibly abuse (of my son). There were no tapes running on the bus but the school believes my son. Of course I am livid because a similar incident happened to him when he was in preschool. If the investigation shows that there was physical abuse what actions (if any) can I take? This was in Suffolk, Va.

Thanks

I have been handed a SUMMONS from a credit debt collector.

The debt is for $10,000 or less and this is not the original debt holder. This is from a credit card debt that could no longer be paid. They have a lawyer and I don't.

I really need help, but I can't afford it.

I have been advised that there are two basic ways to go in my "answer" to the SUMMONS.

Either accept or deny the claim.

If I accept .... then I have to pay them one way or an other right? No fight. Even if it means my home.

But if I deny, it is a fight; how do you do that if this started because I couldn't cover a bill? Will denying something hurt me if they have the proof in hand. Is denying the same as lying?

The other advice I have gotten is to just start looking into filing for Bankruptcy and that will stop this credit collection thing.

Is this good advice? What is the draw backs?

What does this mean to my Mortgage and Credit line loan people. I don't want to hurt anyone, I just need this one credit collector off my back.

This is hard for me because I have always paid my debts before and always been an honest person, even to a fault sometimes, but life has kicked my butt and I'm just trying survive somehow.

Which way is the best way to go? And if it's in a general deny, then how do you do it without not telling the truth?

What are the words to say that?

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Is there lawyer willing to take me on, and if so how much would it be the bare minimum?

I have no income at all ( not even state help), no job and for the last couple of years have only been

surviving by family members covering my bills and keeping my house in my name, but just by a thread. I'm just hanging on, every month is unknown and my family is tapped out now.

I can not pay back anything even if I wanted to at this time and I don't when if ever.

This SUMMONS has pushed me into a position I can not handle financially - either in fees for filing a response or hiring a lawyer for good counsel or handling things properly for me. My house's equity is "upside down".

Thank you for the few that have made responses to my questions in the last few days. You don't know good it feels to be not entirely alone when somebody gives you a few words to help you along. Thank you.