asnow71
Sep 13, 2008, 10:26 AM
I am being sued for credit card debt. I was unemployed in January of 08. I continued making payments with my unemployment income. My unemployment income was for 6 months. I thought I could find a job within that time so wanting to save my credit I used my unemployment income. I am 55 and have always paid my credit cards on time. My husband is a salesman working in a retail store and works strictly on commission. He has not been making much therefore needed me to help with bills. I stopped making my card payment in April. I spoke to the credit card company many times and explained to them what was happening and that I could maybe pay 20.00 a month. They wanted me to pay $125.00 per month and could not accept such a small amount. Here it is 9 months later and I am still unemployed. I got a subpoena. I have to respond within 20 calendar days. I am not trying to get out of this debt. I am not unwilling to pay, just unable to pay at this time. How should a response letter look? Is it just a letter from me. If they garnish my wages, I have none right now and what employer will want hire me when he has to garnish my wages. An employer will think I am trouble.