I've been betting daunting letters from a creditor I thought would end up suing me, they put a collection agency on the debt, but the CU still owns it. I got tired, I asked for validation of the debt, honestly, it seems much more than it should be. I explained, if the debt was in fact accurate, if it were mine......I named a figure that I could afford, barely, it will be a drop in the bucket to them, but........At the figure I mentioned it would take 6 years to pay, however, if they take me to court....I have nothing to garnish, nada.
Any one have experience with matters like this?