rya4244
Jul 26, 2007, 05:33 AM
I have a serious problem. My credit card account has been in collections since 2003. I was stupid enough to use a credit card while I was in college but long story short the collection agency has been hounding me ever since. I was stupid enough to answer one of their calls and attempt to schedule a payment plan. First question, did I mess up by doing this because I really don't have the means to pay.
Next question, the collection agency just served me with a summons to a clerk at the local court house. What does this mean? They want a response in thirty days. I can't pay now or in thirty days. I TEACH for Christ sake. Will this lead them to garnish my wages? What happens when I tell that I cannot pay? Will it be reasonable for me to file for bankruptcy? Will I lose my state job because of garnishment? PLEASE HELP. I don't know what to do.
Next question, the collection agency just served me with a summons to a clerk at the local court house. What does this mean? They want a response in thirty days. I can't pay now or in thirty days. I TEACH for Christ sake. Will this lead them to garnish my wages? What happens when I tell that I cannot pay? Will it be reasonable for me to file for bankruptcy? Will I lose my state job because of garnishment? PLEASE HELP. I don't know what to do.