[lisashearer]

4 yrs ago, I lived in Florida and had 3 credit cards that I always paid faithfully. After the 2 hurricanes that hit one after the other, my rented condo was condemned and everything became very hard financially after that. I used my credit card for hotels and animal kennels and basically became broke. I moved to Colorado and tried to keep up w/ cards but could'nt. All 3 cards are citibank and when I called over the years to try and solve debt, they refused monthly payments and always asked for a big lump sum. I tried consumer credit counseling after reading suze ormans book and they wanted 600.00 dollars per month for 4 yrs. I could not afford these large payments. The total debt on these 3 cards was 7,000 when I left Florida and on the summons I got today, the total debt w/ attourney fees is 21,000. I did not sign for the summons, I just accepted it. My court date is June 12th, do I need a lawyer? Will I have wages garnished? Will I loose my car? I am scared and want to resolve my debt but citibank would not work w/ me after hurricanes and the debt became larger and larger. Please give me advice. Thanks!

[gyno]

Is your car paid off?

[ScottGem]

Its unlikely you will lose your car, but your salary could be garnished.

There are dozens of thread here ans in the Credit Forum to help you deal with this. I suggest browsing around and if you have any specific questions fee free to ask.