I re-read you post. Is playing catch up mean you've been paying on it? If no, call the law office and work out a deal to get it settled before it goes to court. You dont want that. They may work with you.
Hopefully a call to them gets a plan setup
in the future, don’t put money in Savings and then pay a card off, without making at least the minimum on all your cards
its possible you couldn’t cover all of them, but i’m Not sure based on your post
but setup minimum payments on ALL cards. And put any extra on just 1 of them until it is paid off.
Sorry for the misunderstanding, no I was and still am behind on payments for the target card.
I’ve been playing catch up far as saving money and putting it into savings. Then later using it to pay off some of the higher credit cards in full that I owed and fell behind on. I haven’t made a payment on this card since 2nd of December 2018. I lost my job that month so I focused on other bills/rent etc and never made a payment in January all the way up till now.
Paying yourself first is a good plan. But, with this law office wanting some communication from you while no other law offices are after you. I'd call and make any kind of arraingement to make payments before it goes to court. They can garnish your wages and a judgement you dont want on your reports if you dont happen to show up. Do anything possible to get this off your back ASAP. Even if it means tapping your savings. Hate to say it this way. But ya gotta get this taken care of real quick. Call them tomorrow and see what they can do before a court date is set. I wish you the best of luck. One way or another they will get their $.
Not a lawyer, but here's my 2 cents from someone who has also been sued by a creditor under similar circumstances :
A free "consultation" will not provide you with any information you can use in dealing with this case. A free consulation basically means, "We'll listen to what you tell us about your case, for free, and then we'll tell you whether or not it's worthwhile for us to help you, and how much it'll cost." They won't give you any advice about how you can or should handle this... at least, not until you pay them a retainer.
This sounds like something you can handle just fine on your own, you're already on the right track. Call their office immediately, and work out a settlement. If you can't come to an agreement in writing before the 30 days is up, then you need to respond to the summons to buy some more time. You can do so for free, you don't need a lawyer for that. Simply say that you dispute the claim. And then continue to work on a settlement agreement with them in the interim. Eventually you might have to settle for unfavorable terms, because they do have the upper hand right now. You may need to pay the full amount. But you can probably at least work out a pay-over-time arrangement, regardless of the amount you're able to settle for. Good luck, keep us posted
@Swoosh88 Hi and welcome to the forums
A couple of disagreements first. I would not call anyone else dingy in this situation. While it's unfortunate she failed to let you know about the mail, it's not her card and she's not the one being sued. The only reason I mention this, is when rebuild starts, accepting personal responsibility should be a priority. It's how you make sure it does not happen again. Your problems started way before the mail.
Second, whenever there is a possibility of legal action, or legal action is in process, a "free consultation" may not be the waste of time. If the account is fairly recent, you're employed and they think there is a chance they may get full amount back plus the fees etc, they may not be willing to negotiate.
With that said, a lot of them will negotiate, or allow you to make payments over time. If you're confident in your ability to negotiate and are familiar with laws and regulations, it's your choice how to proceed. Given the time constrain, I would call them and see what they can do for you.
Good luck and hope you get this resolved quickly