Now that my initial panic has worn off, I need some help, or just even words of encouragement from someone who has survived this situation.
About an hour ago a policeman showed up at my front door :shock: with a paper that says a legal action has been filed against me demanding relief, and unless a written defense is made by myself or an attorney within 20 days, there will be a default judgement. I owe the money, I want to pay it off, it's just that for the last two months it's been payments or food, not both.