yes i received a summons on 07/13/2013 the filed date was on 07/01/2013 i just received summons on 07/13/2013 the debt is for 1221.75 plus lawyers fees & all other fees to be paid by me.i can not pay in full at this time, but would like to set up a payment plan , should i call their lawyer to do that. and they want a written letter and want me to file with clerk of court and pay a $71.00 filing fee . help
Thank you for your follow-up, Dawn.Speaking as a former collections attorney, even before a judgment is held, you CAN contact the creditor and you can still negotiate or set up some sort of a payment plan. Typically your ability to et this resolved improves if you can pay the debt off in full, but even a payment is possible--just ask them to waive all or part of the late fees and interest, and attorney fees, and then work with you on a payment plan that can work. You can likewise go to court anyway where they can ask for a judgment to be entered against you that would not be recorded but would instead be thrown out once you make all the payments on time. If you fail to pay, then the judgment becomes binding (it is usually for more money), and you would instead be forced to pay that amount instead. This gives them the ability to agree to less and to allow you to pay as they would have recourse should you default.Good luck.
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