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Hey y’all, im new to this stuff but I’m being sued by Kohn law firm/midland in Wisconsin i received summons paper but it never gave me an option to file and answer. The debt is only $600 and I’ve been trying to set up a payment plan with them for $100 a month and they absolutely refuse and keep telling me they would get more garnishing me. I’m tight on money and can’t afford a lawyer. I don’t know what to do any help would be appreciated

A few months ago, I was contacted by Quall Cordot and Assoc. (Fresno, CA) on behalf of Cavalry for a debt from Citibank of about $7900. I requested and received debt validation documents which I am not sure are valid but they did send a packet of statements and final debt statement, etc. I sent them a settlement offer of $2000 which they responded to by asking for $4300. I am not able to raise that amount of money. So, now they have sent a letter of "intent to sue", I have not received an actual lawsuit yet but assume they will file soon since the SOL on this debt ends this October. I have also been contacted previously by two other debt collection companies regarding this debt so I think it has been bought and sold a few times. I am a bit overwhelmed and quite frankly, intimidated by my lack of legal knowledge on how to proceed. I found the Fullman firm online and am wondering whether you think now is the time to hire a law firm and if anyone here has had any experience with this firm. Any advice is appreciated, thank you!