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About Rlav

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    Birmingham al
  1. May be a stupid question but do I need to check “B” if I just want to settle and explain that I just want more details on their total? Hopefully I can get it handled before trial anyway but I know I have to submit an answer regardless.
  2. I have canceled my appointment with that attorney and am attempting to file my answer. I'll include a copy of what the form looks like. I am going to ask for proof of the debt since they did not really include anything with the summons. Check "A" asking for proof of debt? I can't for the life of me reach anyone at the firm via phone or email so the only thing I know to do to attempt to settle would be to send a certified letter.
  3. The second attorney I talked to was one i received an ad letter from in the mail. Their fees are $1,000 as opposed to $2,400. I would love to just be able to settle with them and avoid having to get a lawyer and go to court but it seems like that isn’t going to happen in my situation.
  4. I received a summons on Friday for a $12,000 credit card debt with Barclays. The last time I made a payment was September 2017, it’s listed on my credit as a charge off now. The first collection company was northstar, then one named LTD and then the last letter I received was sometime last year from Lloyd and McDaniel. I got tied up in this after I left my job to stay home with my first daughter years ago my husband lost his job a few months later and was unemployed for about 3 months. We are pretty much paycheck to paycheck especially with two small kids but I do have some money from our tax