Hello Forum.
I recieved a certified letter today from the Clerk of Courts (cincinnati, oh,) alerting me that a complaint has been filed against me by American Express, via Zwicker as their law firm.
I do not dispute my $5,769 debt. However, legitimate circumstances have rendered me unable to pay this debt in full. I have contacted Zwicker and Associates, and they have offered a few "options':
1. Settle for $3500 lump sum payment.
2. Make payments, but lose my chances of lower settlement.
3.