Recent content by C.M.

Oh ok, and sorry if these appear obvious to you all, I've just not been here before and don't want to be taken for a ride by them just because I don't understand the process. You have all been very helpful and clearly very patient. I say this with the sincerest gratitude may we never have need...

Are you talking about paying the entire amount, or paying the agreed upon settlement amount? If you are talking about paying the original amount, do you mean to indicate there could be follow-on action or unwanted affects if I only paid the settlement amount?

Ok, thank you. The letter makes no (well no obvious) mention of that, only that a judgement be entered against me. And what I had read about being awarded a judgement meant they can seek and an all means to obtain the debt. I did not want to grant them anything more than what we agreed to on...

If this is a required document that needs to be file with the courts in the normal process of accepting a settlement then I am fine, but this Friday is my deadline to respond to the original lawsuit, and I do not want to just grant them a court judgement against me if that is not a required part...

UPDATE: I did as you all suggested, and they agreed to a payment plan that I feel comfortable with being able to make each month, I think the settled amount is around 77% of the original balance. However, I just got the agreement that I need to sign and return to plaintiffs attorneys, and I...

Yeah, I can't do that; wish I could but I don't have the means to make such a lump sum immediately. I do get my bonus in about 3-4 months' time and would be able to pay it in full then, but I don't have any delusions that they might wait for that.

How often do they typically accept a settlement offer, like 99% of the time, 50% of the time, worse that that even; and what is the best way to strengthen my odds? Is there any key words or phrases that demonstrates that I am serious and fully committed to repaying this, likewise on the flip...

Really, my pay is not "nothing" but given that I have a lot of medical expenses what I do earn is quickly knocked out. I want to pay it off, I am not looking to avoid paying it. I made the purchases, I enjoyed what I spent the money on; I don't want to deny paying them, like I was saying, this...

3, maybe 4 years ago. I because critically ill in 2020 and was in hospital for a month and then out of and unable to return to work under doctor's orders. A number of things fell behind, but I worked to resolve everything, or so I had though, but this one fell through the cracks. Statute of...

Right, that is what I understood also. I was just wondering if I made a good faith effort to resolve it and they never responded, then would the court not look at them with a question in their eye of "Why would you not respond. That's not collecting on the debt in good faith!" I suspect it...

Great, you're hired! ;) Thank you, more food for thought. My only hesitation about a phone call is that I would not have anything to show the court about my efforts to resolve the matter. I feel like you are telling me that the court is less interested in my willingness to address the debt...

"You would be surprised, they expect and want litigation at times." well that does not sit with me well. So sometimes they just want the chase more than the meat of the prey. If I write the PA and they do not respond, can I take the evidence of my communications seeking to work on this out of...

Ok for my clarity, if I contact the Plaintiff's Attorney (PA) to request that we work out a settlement do I need to send anything to the courts also? And can the PA run out the clock by slow walking any response to my efforts to discuss a settlement. In my initial communication with PA do I...

Thank you both for taking the time to respond. I just have a couple of follow up questions... 1) Do I send my request for an out of court settlement to the plaintiff's attorney, or do I send it to the court that will be hearing my case if I went to challenge the debt, or do I need to send it...

This week I was served with a lawsuit for an unpaid credit card debt that is about $2,700 and I want to know how to best proceed. I want to know if I were to make an offer to settle the debt for a reduced amount of around 50% to be paid on a monthly basis if I’m doing so I would lose any...