Yes, I was served Dec 28th, the hearing is today Jan 19th. I was nervous so I decided to call a representative at Portfolio recovery Associates that same day I was served to settle this outside of courts and come up with a payment plan. I was told over the phone that if I make a down payment today as well as monthly payments, that that'll through the case out. I agreed gave them my bank account information. They said they would send me the agreement and to not worry about the case.
I read in Missouri that you don't have to file an answer you just have to show up but I filed one anyway s