Missouri resident. OC were 3 credit cards.
I tried to work things out a few years ago but could pay nothing. They sold the debt, a few different times. Cavalry ended up with it. I am now in a better place financially, was gathering funds and trying to prep my tax return to call and make an offer. It took longer than expected. I have since received letters from the attorney for a law firm representing them.
I can sum up the questions as: “What do I do?” but more specifically…..
1- Is this when they truly become litigious, or is this another bargaining tool?