What do I do if I have no job due to my child’s health problems and just learned I have a court date for a credit card 3rd party suing me?

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What do I do if I have no job due to my child’s health problems and just learned I have a court date for a credit card 3rd party suing me?

I have a 3rd party suing me on behalf of a credit card company that I defaulted on. It was originally $400 but it’s now $1200 including court fees. I have no job due to taking care of my child with health problems. I have no bank account. I do not own my house. My husband says he will make payments on it but since his is the only income, it can only be like $50 a month. My court day is in 2 days. What is my best course of action from this point?

Asked on February 19, 2012 under Bankruptcy Law, Kentucky

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

The best thing that you can do concerning the upcoming court action against you for monies owed is to attend the court date in person and try and negotiate a monthly payment plan in writing for the amount that you believe is owed. If you reach an accord, make sure the written agreement for the monthly payment plan is signed by the creditor and that you get a copy of the agreement.

Assuming you have an agreement in place, make every effort to make the monthly amount due on time.


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