jennysue167
Junior Member
What is the name of your state?What is the name of your state?New York State resident. I received, from a collections attny, a subpoena to take a deposition re: this landlord/tenant dispute from 1996. I went to this law office and completed the deposition. This dispute was for $1245.00. After the deposition the attny sent me to his "collections specialist" to try and work out some kind of settlement or payment plan. No. 1: I am working only part-time and make $10.60/hr. I am single and responsible for all bills. Because of my situation, I receive food stamps to help me out at this time. My problemis this, this Collections Specialist told me I had two options, settle for $1000 or make payment arrangements to them for $113. monthly. I sat there and literally cried! First off, she asked me how do I survive? I said "barely" and now she gives me these options. My question is this, do I have any other options other than bankruptcy? Can they do anything to me? I own nothing!! Have no bank accounts other than a checking with $20. in it. Can I legally contact the person to whom I originally owe this debt and try to work out something with him without the legal collection agency being involved? Please respond as I need answers by Monday by close of business.
Thanks.
Thanks.