I got served with papers by a law firm, in which I researched and everything I have read has bad things about them. It said they are one of the 100 worst collection agency's. (Frederick J. Hanna). Anyway before I started researching this company, I talked to them about setting up a payment plan. They wanted me to put $1100 down and $125 a month. Well as a single mom, I can't afford the $1100. I know I owe the money and also everything I have read about this company says do not give them your account numbers, they have messed up so many peoples bank accounts. Should I just file an answer saying I admit to all the allegations or should I file an Intend to Defend?

From what year was the debt originated? You could be protected by the statute of limitations in your state. They can't collect unless they are awarded a judgment. They will use scare tactics to get what they want; even sending paperwork that looks like a summons.

It was back in 2006. I had the card when I lived in West Virginia and now I live in Georgia. A local sheriff served me with the papers. After reading a lot and I mean everything I read about this "law firm" has bad reviews even on the better business bureau website they gave them a F. Anyway I have read that I should make them show proof that they have the original paperwork. But I know I owe the money. I just don't know how to write the answer because I can't afford to give them the $1100. Then I also read that people have done the Intend to Defend. If I were to do that would that be my "answer?

File a proper answer to the complaint according to the established procedure for your jurisdiction. You should be able to download a sample form online or acquire one from the courthouse library. State that you intend to defend and demand proof of the debt (even though you know you owe the money) and of the law firm's right to collect the debt. Meanwhile, decide on a payment plan that you know fits your budget and be prepared to present it to the judge. The judge will likely be more flexible than the lawyers who were reluctant to negotiate with you in the first place.

Thank you very much. I have already planned on making payment arrangements and am taking everything with me to court.