Originally Posted by nsink
Hi, I have a bad debt that was turned over to a collection agency. They got a judgement against me, but I got it vacated because they had not served me papers and fabricated a signature on the documents.
What I would like to know is if I should try to settle this out of court (in two weeks) or if I should go before a judge. I owe the original creditor about 1/5th of what the collector is asking. I also know that they have bought the debt for pennies on the dollar. How do the cases generally pan out before a judge?
Thanks so much.