Can I avoid a $6,300 judgement from credit card summons
I was recently served a summons from a lawyers office claiming they represent Chase bank on a $6,300 balance on a closed credit card.
I just started a new business a year ago and went through some really difficult start up months with very limited to negative cash flow resulting in missed payments on my credit card.
The lawyers office called a month ago and threatened me with a lawsuit. I told them I would pay the debt if they would give me a monthly payment option. They wouldn't take any kind of payment option just demanded the $6,300 immediately.
Now the sherrif served me a summons. What should I do? Can I avoid a judgement? How do I go about making out an answer to the complaint I was served and with whom do I file it the county clerk?