Every year there are millions of people that get a summons and complaint regarding a charged off credit card, medical bill or overdue utility bills. Those that are not knowledgeable about what to do, may respond in some of the following ways. Since I am being sued, I guess I will be getting garnished. I don’t work, there is nothing they can do. I can’t pay this account, why don’t they leave me alone.

First of all, a summons and complaint is just a notice from a creditor that wants to meet you in court to talk about your delinquent debt. Your creditor is trusting that a judge will agree that you indeed owe the debt and place a judgment against you. There is no need to go into panic mode.

Just because you are being invited to go to court, you still have several options. You can pay off your debt. Depending upon your financial situation, you could offer to settle your debt for 15 to 70% off your balance, set up a payment arrangement or not pay your debt.

So if you are getting summons and complaints and believe that you need someone to guide you through this process, I can help you. As a former collection manager, I saw thousands of people cave in and pay off balances without taking into consideration their complete financial situations. If you would like another voice to assist you, I can be reached at 313-744-5977 or by e-mail at [email protected]