Thursday, November 3, 2011

Summoned to court for Credit Card, need advice ASAP!?

Hello there! I had a capitol one credit card when I was 18, I maxed it out at 500 mostly because it was all I had for gas, etc. I lost my job shortly after, and they were ridiculous about working with me. The fees were ridiculous, and if I paid 40, they would fee me 60, there was no getting ahead. Anyway, I stopped paying it, and it's been to a few collection agencies now. A judgment was filed on me last year for it, but I was a full time student, and a waitress, so they never got a garnishment or anything like that. The judgment is still open, and I recently was summoned to appear in court, and bring my bank statements, tax returns, and check stubs. I now owe them over 2100.00, and they were requesting payments of 750 a month, which is over what I'm even making currently. I just graduated in January, and am still looking for a job other than my part time witnessing. I own a 2000.00 car, and that is it. I have 15,000 in medical debt with no health insurance because I can't afford it. I just paid off my last Credit Card (The one who WAS willing to work with me), and now I owe the Federal Government 15,000 for student loans, which I will need to start paying back in three months at close to 200.00 a month. I got a hefty tax return of about 3,000. 2,400 of which came from being a full time student and student disbursement. To me, this isn't a lot of money when I am not even making as much as my bills are costing every month. I'm already down to 1400 in the account, and I'm just wondering what's next? Will they take all this money? Should I take it out of my account? I want to pay the company, and ideally, I'd like to have fair payments made through court that I can actually afford.

No comments:

Post a Comment