My parents received a phone call from a lawyer asking for my wife. My parents refused to give our contact information but rather promised to relay a message, which they did.

I contacted the lawyer today who advised us that my wife is being sued for a credit card debt. Background story - short version of the long - my wife had medical problems which forced the doctor to take her out of work for 6-8 months, which involved a prolonged hospital stay. Our income during that time - before taxes - $22,000/year.

The credit card had a limit of $1000, but is still evidently accruing interest at ~30%, so now the balance is up to ~$2400. The credit card company has not contacted us in months regarding this situation. Last conversation we had with them was a continued advisement that we would pay when we could.

Back to present day, the lawyer says we are being sued for this debt and they are looking into wage garnishment. However, we have not received a summons or lawsuit paperwork, nor any communication stating this was even being considered.

Where do we go from here? I am assuming it was some sort of assistant we spoke with and now the lawyer directly - she would not tell me anything regarding a time frame or what the lawyer would do.

We are making extra money now and working to pay debt off, but she would not even consider monthly payments unless they were at least $400-$500/month, or a complete settlement at the beginning.

I have heard that a judge can rule in our favor because we don't make any extra income to make extra payments and we are not living an extravagant life. If we don't make the money, can they still take our money?

Any advice on this would be appreciated!

Judges don't give special dispensation to poor people that I am aware of just because they don't make "extra" money. That's wishful thinking on your part. Sorry.

When they call you again, demand that they put everything in writing and mail it to you for starters. Don't keep talking to them, hang up.

If they decide to sue you for the debt, you will have to file an answer in court and go from there.

1. No this is a collection call, may not have even been an attorney, could even be a collection person pretending to be one, And if ti was a office that has an attorny on staff, they want you to pay,

If they were just going to sue, they would not have called first, but you would have just received a summoms.

Next they can't even legally tell your parents anything about the debt, so this is a good sign, this is a scum bag collection group that will lie and cheat anyway they can to get the money.

Have you been paying on it, ifnot why not

So if they sue, they sue, you can't stop them from sueing.

I have been in this same situation and didn't hear from anyone for months and was threatened to be sued and we just thought it would all go away well guess what we were served a civil summons last week and if we don't agree to pay court cost and all penalities then they will have our wages garnished, they can take 25% so try your best to settle

The group that called is "The Office of Gerald Moore". I have found bad things about these people online - that they act as an attorney's office but they are really just a collection's agency. Any insight on this company?

Hello Debt:

One collection agency bottom feeder is just like all the rest. All you need to know about this collector scumbag is contained in the "Fair Debt Collection Practices Act".

Google it.

excon