Credit Card Debt.. Not sure what to do
I recevied a summons at my place of employment to apprear in court. The two credit cards I owe money to I guess are trying to collect. The plaintiff is Unifund CCR Partners, I am of course the defendant.I have tried about 10 lawyers in the last 2 weeks to contact me with the free advise I need but no one has returned my calls. I need to know if I need to go to court and if I don't what happens. I do not have any money to pay these cards off. It's not that I don't want to pay them off, I tried but they wouldn't take my money. I wasn't paying them enough I guess in the min amount due and they turned it over to collections office. I don't want to file for bankruptcy do to my current situation. I am a single mom and my x still pays for our mortgage, we both are on the deed and I plan on moving in the next 3-5 years and don't want this to be hanging over my head that I won't be able to get a loan. Bottom line, what do I do? Do I show up in court alone and state I do not have the money to pay back? Can they garnish my wages? (which like I said single mom live on my salary alone.)I don't have the money for a lawyer. In a big jam, please any advise would be appreciated!
Comment on BILLSBILLS's post
Just let it slide if you own a house you have secured debt vrs non secured debt I personnally wouldn't worry if you rent a place but if you have a house it's worth it for them to go and put a lean on it when you sell it they will get there money