If I owe up $1200 to a gym and now I am being taken to court, what shouldI do?

An attorney called and was very threatening. What should my next step should be. He said on the phone that they will be seeking all of my assets and I will still have to pay the court costs as well. He asked for a lump some of the money which I don’t have. I asked if I could be on a payment plan or could work something out with them. He was very rude and continued to say I wasn’t agreeing or willing to work with them, when I was clearly was. I an 19 year old student.

Asked on December 6, 2011 under Bankruptcy Law, North Carolina

Answers:

Rhonda Patterson / The Patterson Law Office, PLLC

Answered 8 years ago | Contributor

I recommend retaining an attorney to assist you.  There are many rules regarding the practices of debt collectors that the attorney and the gym may be responsible for adhering to.   Your attorney can assist in walking you through the gym contract to see if there is any argument that you are not responsible for the full amount.  Even if you may be responsible, a pre trial settlement and payment plan is likely an option. 


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