[ScottGem]

I don't know why the Judge would appear annoyed. Seems to me she's paid to do the job she's doing.

I'm going to take a guess here and suggest that the judge is getting a little tired of junk debt buyers who try to collect on debts they purchase for pennies on the dollar and don't have sufficient documentation.

[kylemore]

Thank you guys so so much for your help in this matter. To JudyKayTee... With all due respect, I understand what the lawyer is trying to do. I am trying to take care of this debt with the money I have. I do not want to agree to 12 months payments that I may end up defaulting on again. I can not come up with money I don't have. I am not trying to skip on a bill I owe while I have lots of money - I don't have money. I will write the letter and be forthcoming. That's the best I can do.

The judge did give the impression that she was fed up with his kind, he had submitted a big pile of suits to her court as he sits there in his office miles and miles away. I had to loose out on some of the little work I have in order to appear. I was very upset (as in shedding tears, not angry) as it was very intimidating, I have never been in a situation like this. I know the judge felt I was very genuine. She had heard a motion for summary judgement on a wrongful death suit before hearing my case, maybe she felt she had more important cases to hear other than this credit card default @*&t!! I was the only one from the pile who showed, and she knew it, so she probably granted him summary judgments on all the others and knew going in, as I stood there alone, that she was going to have to do that.

Thanks again for your help, it's been a huge educator for me.