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Question
I received civil papers that I responded to regarding a debt. I told the attorney about my employment situation. She agreed to reduce the amount of the debt by 75%, which was great. The problem was I had to borrow the money to pay the 25%. I requested that I be give three weeks to come up with the money to pay. She would only allow me two weeks. I only got a third of what I needed to pay the debt. I sent her a letter indicating that and request an additional week. She never responded to my request and now I've received a letter about going to district court. What is that about? Is this now a crimminal case? Should I obtain a money order and send it to her anyway? I have all of the documentation sent to her as well as her responses.
I would not send money unless you are still within the agreement period. Try calling her again and ask if she will allow you to pay it now without going to court. Get it in writing and ask her to dismiss the case once payment is made.
Also, this is a civil matter not a criminal one. You cannot got to jail for a debt such as this.
Now that suit has been filed it may be a bit more difficult to settle for the amount she agreed to but it never hurts to ask. Be persistent. She may relent.
Good luck. Let me know how things work out.
Mike
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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