What happens

I'm glad this site has helped you!! Don't worry. At the hearing you will have an opportunity to make some arrangements..It will probably just be you and the attorney for the creditor sitting at a table talking it over. Once you make the arrangements, keep them..And things will work out fine.

So you don't go before a judge? I guess I have just been wathcing too much Judge Judy (hahahaha). Sorry but my sense of humor is really all I have left.

You have been served a summons? Yes, you will appear before a judge....be sure and answer the summons. Sometimes arrangements can be made in court depending on how you have the creditor over a barrel...if they have their ducks in a row, they can go for the jugular and get the judgement in which, most states, they can take other action to pursue payment, such as a wage garnishment.

what state are you in? when is your court date?

The procedure for responding to/going to court will depend on the State, Court, and local rules where the case is filed. A call to the court clerk is a good place to start if you have questions.

That is true. In my state you go to court and the judge sends you into a room with a mediator. You have a choice to accept the terms of payment or go to trial. I took the terms. If I do not pay they will then go for judgement.