I received a credit card back when I was 18 and made monthly payments on time. My husband and I split up and I had our 10 month old daughter and he was not financially helping, so I turned to the credit card to help. I then began school and my last year going full time I received a letter form the credit card requesting minimum payment of over $700/month! I tried to call and arrange reasonable payments, but they would not work with me. I had been making $250/month payments for over 2 years and had not even used the credit card at all! I went to an attormey and he suggested I just quit paying so I did. The credit card co filed a judgement against me for over $18k. Now I am trying to sell my trailer, which is in a mobile home park, and will only get about $10k which I need at least half of to get on our feet and transition through the move into a duplex. My question is, what can they do to me know? If I get the $10k from the trailer, should I contact the credit co and try to work something out or should I just keep it and try in the next few years to save up the rest to pay them off? I know I incurred the debt and I owe it, but again, they were unwilling to initially work with me even after I had been making monthly payments on time the entire time I had the credit card. I need advice on what I should do with the $10k from selling my trailer?

abjr1721 says: "Now I am trying to sell my trailer". Are you selling land with the trailer?

No, it's in a mobile home park

I am not familiar with the procedure for closing a sale of a mobile home without land. You may be able to close without the necessity of a title search. If so, you will be able to leave the closing with your equity. I wouldn't talk to the creditor until I had that money in a safe bank account (that the plaintiff doesn't know about) where it can't be garnished. Once you have your funds, contact them about a lump sum, cash payoff; and offer them 45%.