From New Jersey
Hi everyone,
Well I was working a job and decided ultimately I needed to go back to school. My income declined sharply while my expenses sort of grew and I ran into credit card debt with Amex. My father offerred to help me and we attempted to settle with Amex, but they absolutely refused and went through 3 collection agencies. They too absolutely refused to settle with me and from a principle of $1700 or so they inflated it to over $3,000 with late fees and insane interest rates. Now they have a firm suing me in NJ court and I have 35 days to respond to the complaint. I have absolutely no idea what defense to come up with or what to do.
Information about me: I'm 24 years old, single, I have no assests and no income (I'm working on an electrical engineering degree and am taking 19 credits to speed school up), I am being supported by my parents. The SOL has not passed.