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I have been reading on here about other people going through this same thing. I understand I should answer the summons. The debt is mine I know it. I tried working with the creditor when I lost my job on repayment terms but did not really get anything accomplished. Should I answer the summons as I am aware of this debt? I am going to send a debt validation letter after I answer. My question is this....I really cannot afford to go to court. Do you think I can reach an agreement with this company after they have already gone this far?
Thank you!
yes, you can reach an agreement with them. however unless you can settle it CIti will have a judgment entered
But you must go to court. you cannot afford not to. ask for discovery, ask for a continuance.
this will at least give you a couple months. if you miss court they will enter a judgment and put a lien on your bank accounts