We're so screwed up. Just got served papers for a Citibank CC. Since I've only heard what my wife read me over the phone, all I know is that there's an "answer" due within 10 days, or there's standing for a default judgment.
So many questions:
- What do I do here? I can't afford an attorney. Can I send some sort of letter myself?
- I should have attempted to work out some settlement a long time ago. Is it too late to do something with them?
- We're drowning in unsecured debt, with over $60,000 total.