taaars
Oct 31, 2007, 01:16 PM
Hi all, very new to this, I was doing some web surfing because today I got served, well, I got the sheriffs card on the door about court papers, so I go nervous and went on my local circuit court page and found the one and only case of a summons, but no court date. I tracked down the creditor and eventually got the attorney handeling the case. I called them, they said they did submit a summons, I was afraid of any judgements, I did recall the old debt from the CC company, and they told me I owed like 2300 .
I never got a letter from the attorney office before, so I am not sure if they were in their right to send my case to court already, however I will admit that I did receive a letter in a few months ago from the collection agency her company is representing about the debt, that's why I did not dispute what she said, (However I did try to settle about a year ago, and no one ever denied or accepted my settlement, so it was left owed)
The lady I spoke to was not hard pressed for me to pay, she was very cordial, I explained to her I never got a letter from their office in the past, but only this summons. I asked her if I could settle the balance for maybe 900, she said she could take min 1800.00, told her honestly I could not afford that, but maybe a payment plan, she said If I could come up with 500.00 dollars in one month then 150.00 each month after that till the debt is paid? I said I could, she said that she would draw up the papers and even asked me what date would I want to start, she said I could talk to my wife for the right day of the month to make payments so it will be done on time. She will the write up a payment plan agreement and have the summons cancelled. She even mentioned that after I make the 500.00 payment and have some more money the following month I could ask for a smaller settlement which at that time they may take? (maybe setting me up to pay another 500.00 and close this?) :confused:
She said I could call her tomorrow about the date and she will have it faxed to me, then I could fax back the agreement, but also I would need to mail the original.
Was I just owned on this settlement, or was it a good choice on my part? I am stepping up to pay this debt, I know I owe it (well most of it, damn interest and LC they added after is probably 500.00 of the balance)
I never got a letter from the attorney office before, so I am not sure if they were in their right to send my case to court already, however I will admit that I did receive a letter in a few months ago from the collection agency her company is representing about the debt, that's why I did not dispute what she said, (However I did try to settle about a year ago, and no one ever denied or accepted my settlement, so it was left owed)
The lady I spoke to was not hard pressed for me to pay, she was very cordial, I explained to her I never got a letter from their office in the past, but only this summons. I asked her if I could settle the balance for maybe 900, she said she could take min 1800.00, told her honestly I could not afford that, but maybe a payment plan, she said If I could come up with 500.00 dollars in one month then 150.00 each month after that till the debt is paid? I said I could, she said that she would draw up the papers and even asked me what date would I want to start, she said I could talk to my wife for the right day of the month to make payments so it will be done on time. She will the write up a payment plan agreement and have the summons cancelled. She even mentioned that after I make the 500.00 payment and have some more money the following month I could ask for a smaller settlement which at that time they may take? (maybe setting me up to pay another 500.00 and close this?) :confused:
She said I could call her tomorrow about the date and she will have it faxed to me, then I could fax back the agreement, but also I would need to mail the original.
Was I just owned on this settlement, or was it a good choice on my part? I am stepping up to pay this debt, I know I owe it (well most of it, damn interest and LC they added after is probably 500.00 of the balance)