Hi all, my wife was issued papers on Friday that she was being sued by Cach LLC. After the freaking out had finally stopped, we realized it was for a credit card that was in her name, and had stopped paying on in 2008 due to a job layoff. I have 2 questions. Would it be prudent to call Cach and offer some sort of settlement, or should we answer the summons (of which we were given 10 days to respond.) I am not willing to pay more than what we owe, but it seems they have charged interest and other related 'fees' after payment had stopped.
My other question is, if we come to a settlement with Cach do we still need to respond to the summons.
Please help....