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Received summons for court


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I just received summons to go to court on Apr 23, in which American General Finance is sueing me and placing a Judgement on my credit. At this point what should I do contact the lawyers's office and try to settle for less than the $1600 I owe or should I just go to court and see if the judge will let me make arrangements to pay $250.00 a month until the debt is paid without it showing up as a judgement on my credit. Will someone please adise.

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