summons / lawyer advice

[--D--]

What is the name of your state?What is the name of your state? Georgia

I got 1-2 months behind in credit card payments due to a layoff. I continued to pay the credit card company when I could. Back to work now and can pay regular payments again and am 1 month behind (will not be behind at all as of next week).

I received a summons about 10 days ago and started checking online for info. Called the credit card company. Explained I had always paid on time before this happened (they agreed) and why I got behind. They said I needed to deal w/the lawyer because they have a contract w/them. Recommended I explain the situation to the lawyer and to tell them I'm willing and able to make payments.

On Monday I will file/deliver an answer to the summons along with a certificate of service and notice of appearance.

I cannot afford to pay a settlement at this time (debt is around $10,000). My questions are:

1 - Will the lawyer take monthly payments?
2 - I've been paying the credit card company and owe less than the amount in the summons. Will the lawyer work with the credit card company? Should I stop making payments to the credit card company?
3 - Should I call the lawyer or send a letter? If a letter is recommended, can anyone recommend wording? Should I be specific about how much I can afford to pay each month in the letter?


Thanks in advance.

--D--

 

[JETX]

"Will the lawyer take monthly payments?"
*** Ask HIM!! He doesn't work for me.

"I've been paying the credit card company and owe less than the amount in the summons. Will the lawyer work with the credit card company?"
*** Presumably yes, since he DOES work for them!!

"Should I stop making payments to the credit card company?"
*** Why would you do that??

"Should I call the lawyer or send a letter?"
*** Letter.

"If a letter is recommended, can anyone recommend wording?"
*** Yes.
I owe this much to the creditor: $___________
I am willing to make payments of $_____ per month, due on or before the ___ of each month.
This is contingent on your filing a motion to dismiss on your pending lawsuit.
Signed: _______________

"Should I be specific about how much I can afford to pay each month in the letter?"
*** See above.