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There is no legal reason under Wisconsin law that could compel you to attend a pre-suit meeting.
Your attorney can attend on your behalf. Or neither of you need attend.
Obviously, though, attending might delay the filing of a lawsuit as you may be able to convince them of your good faith and willingness to pay back the loan when able.
Having said that, there are good reasons why you should not attend, at least not without counsel.
First and foremost is to avoid compromising your case by making any statements that could either provide evidence or restart the statute of limitations.
For example, if you were to state in front of witnesses that you acknowledge the debt and agree to repay it, the statute of limitations would restart, giving the other party 6 full years to file suit.
In December of 2010, I offered a payment schedule which I was unable to keep.
That would be a default. The would have six years from the date on which you first missed a payment to file suit against you.
However, there are good reasons for them to want to try to resolve this without going to court.
Court is time consuming and expensive.
In many cases, a meeting such as you described is simply an attempt to reach some kind of settlement that would prevent having to go to court.
It can be worthwhile to attend, but not without your attorney.
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