@RobertEG wrote:Then since they have already filed their civil action, you can use pre-trial discovery to obtain relevant info if you contest the debt.
However, if you dont contest the legitimacy of the debt, they may well have adequate documentation.
If they present their case and provide documentation of the debt, the ball will then be in your court to contest their showing.
You are rolling the dice by going to trial if you know the debt is legit.
You might seek a pre-trial payment plan if trial will likely affirm the legitimacy of the debt.
Good point. If it is legitimate, this may not be worth going through the possible hassle. You may be better off going ahead and setting up something with them.
