I have just been told by sears that they are going to file a suit to get back 3200 dollars I owe them. I put sears into a debt consolidation program back in June. Im using CDS as my consolidator. I did not know until today that sears did not accept the offer CDS propossed. Now sears wants the full amount by next Friday 12-17-06. I don't have 30.00 dollars to give them let alone 3200. What recourse do I have in NJ. I give every last penny to CDS to pay the rest of my cards. Can they take my house? What can I do to legally? Thanks Anyone

OK, what can they do, sue you in court and get a judgement,

They can get a attachment and seize any money in your checking account, and they see to know when there is the most money,

Next they can garnish your pay, and take maybe 20 to 25 percent of your pay check.

So you may need to get a second job, talk to CDS about redoing what is being paid to the others, so you can start paying sears.