I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that you're getting sued.
Your chances of getting a good settlement depend on three things: How good the evidence against you is, how much they spent on the debt, and how much they're paying their lawyers. The third factor is something you won't get to know, but look at whether their lawyer works for the collection agency versus a third party law firm. You do have a right to request all the evidence against you in advance, and to review it yourself before deciding if you'd rather negotiate or go after them at trial. Sometimes, debts are sold over and over and the collections agencies keep terrible records, and they can't prove they bought the debt. When that happens, the person who incurred the debt wins. Ask your lawyer if they've already requested discovery and what they got.
The other thing you should know is that most of these companies pay pennies on the dollar for their debts, so they will sometimes settle for less than half of the total due.
Your chance of winning at trial depends entirely on whether they have evidence to prove that you owe the debt, and whether you have a defense. There's no one-sized fits all defense, and inability to pay isn't a defense. The judge can't reduce the debt just because you have a good reason for not paying. If they have documentation showing that you made the charges and didn't pay them, they will get a judgment against you, unless the statute of limitations has expired.
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