I recieved a summons on Friday evening from Citibank for a $5750.00 credit card balance.
I stopped paying them last September in hopes of this being turned over to a collection agency to stop the increasing finance charges, and to get a final total on what I owe them.
Apparently this did not work, as they turned it over to an attorney in Florida, who had the summons served. I cannot afford the high minimum payments they want.
What are my options?
-Could I have them garnish my wages for $75.00 a pay? (I am a teacher)
-Could they put a lean on my house for me to pay off when I can?
-Should I seek an attorney?
-The sumons did not list the Judge, time, or court room, just Fifth District Judge fo Lake County
Help
Lisa Sims

Optional Information:
State/Country of Question: Florida

Already Tried:
Requested card to be terminated and turned over to a collection agency March 2008
Direct deductions from my bank account April-July 2008-$230.00
As a teacher, unemployed summer months, fell behind and could not pay,had to catch everything else up.
My family and I endured phone calls 7days a week, every hour on the hour, Thanksgiving Eve, Christmas Eve, New Years Eve, My 3 kids won't answer the phone anymore.
Citibank will not accept a lower amount......
Gave Up