What is the name of your state (only U.S. law)? California
I'm being sued by a creditor that's included in my debt management program. I've been paying on the account for about 2 years. I've fallen off the program for about 3 months when my fiance I live with lost her job. She since found a new job and I restarted making my payments for about 4 months now.
I received a summons from an attorney a week ago and on the complaint it states that the debt remains unpaid despite plaintiff's demands. This is not true. The account has been paid for the last four months which I have statements to prove. Secondly, the complaint states that the creditor sent letters to inform me of legal action. I received no such letters and there are no letters attached to the complaint. I did not receive any form of communication that there was a problem with this account until I got the summons.
I called the attorney handling the creditors account and I got a debt collector instead. He wanted me to settle by paying in full and he would drop the suit. He did acknowledge I was making payments, but it wasn't the minimum as agreed on the original contract. I asked then why wasn't the proposal I sent out through my debt management program denied. He didn't have an answer and suggested I pay in full or in 3 installments which is way out of my budget. I said I'll get back to him.
Anyone have any suggestions? Thanks in advance.
I'm being sued by a creditor that's included in my debt management program. I've been paying on the account for about 2 years. I've fallen off the program for about 3 months when my fiance I live with lost her job. She since found a new job and I restarted making my payments for about 4 months now.
I received a summons from an attorney a week ago and on the complaint it states that the debt remains unpaid despite plaintiff's demands. This is not true. The account has been paid for the last four months which I have statements to prove. Secondly, the complaint states that the creditor sent letters to inform me of legal action. I received no such letters and there are no letters attached to the complaint. I did not receive any form of communication that there was a problem with this account until I got the summons.
I called the attorney handling the creditors account and I got a debt collector instead. He wanted me to settle by paying in full and he would drop the suit. He did acknowledge I was making payments, but it wasn't the minimum as agreed on the original contract. I asked then why wasn't the proposal I sent out through my debt management program denied. He didn't have an answer and suggested I pay in full or in 3 installments which is way out of my budget. I said I'll get back to him.
Anyone have any suggestions? Thanks in advance.