Court papers received for cc debt

[TEC07]

I was served with court papers for a credit card debt that I even forgot I had. I have 30 days to respond. I'm really worried and I want to know what are my options? The credit card debt is from 1999, the unpaid balance was about $1,800. The court papers show an amount of $3,500.00. I do not have this kind of money. I want to pay this debt but with some kind of payment arrangements, do I need a lawyer? Please help me. I live in New Jersey

 

[seniorjudge]

Do not ignore this lawsuit.

Yes, you should hire an attorney but it will cost more than what you owe.

If you work with them and get a settlement agreement, make sure it is all in writing and follow it to the letter.

 

[TEC07]

Thank you!