Discover suing me

First off I'm sorry for your situation. You really should show for court. It would look better on your behalf. Plus you can explain your financial situation to the judge and he may be more lenient. My suggetion for always overdrawing funds is when you can and get on your feet throw an extra $100-200 in your account and pretend that it isn't there. You can not add it in on your balance and make a note in the back of your bank book. This way you aLWAys have a saftey net there. Its sucks to pay late fees and over the limit fees on a few dollars. I know right now you are out of work but sometime you get the chance.
Also why not go get a slip from your doc and take it with you to court so that the judge sees you are being honest and upfront. You cannot hurt yourself by showing upo...but you m,ay be able to help yourself...Good Luck. Stop back and keep us posted.

Show up. The judge will hopefully work out a manageable payment agreement. Bring all documentation that would support your full income and where your money goes.

You might also consider filing for SSI/Disability if you are disabled.

Thanks for the advice...I will definitely show up based on this. I never wanted to "get out" of paying Discover...I just couldnt satisfy what they wanted me to pay a month. Ill try to get all my information together before my court date

I would say one should always appear in court to any summons (and it's exactly what I plan to do should I get summoned). It's your only opportunity for a judge to hear that you offered to make small payments and that they were outright refused.

I don't think the EFT problem holds much weight to a judge... I can almost hear him saying "you are an adult, control your bank withdrawls." Then again, I am in no real position to offer advice of any kind around the debt, other than "don't miss court."

Also, why type of DI policy do you have with Metlife? I am in the financial/insurance industry. If it's a gap policy (bought outside of group coverage at work), your doctor simply has to consent on their form that you are unable to perform the duties of your job (or any job, depending upon the restrictiveness of the policy description). Do you also have group coverage at work? Long term/short term? Have those kicked in, if so? Have you looked into Soc. Sec. Disability? (you would not be able to see your own doctor to qualify for this, but it's worth a shot if you are truly disabled or ill)

Should I contact the group suing me before the court date?

First off...Im having trouble signing in...this is why Im as a guest again.

Ok..I went to court. Thier lawyer did not show up but sent someone to represent them. I asked for time to get a lawyer or make a payment arrangement. The lawyer sent me a letter saying they would accept 2,876 on a $3945 debt or 220/month on the full amount. Niether of which are possible for me at this time. I called them to try to work out a different payment arrangement. I have $1600 I can give as a lump sum (from selling personal items) or I can pay $100/month.
They will accept $2500 lump sum or $100/month for 4 months then back to $220. They stated this is because of my disability.

This is the best they offer...
what should I do now?
Thanks for your help

P.S. I worked things out with metlife so far

How did they go from $60 a month to that? I really cannot offer much advice as I do not have experience with this. I hope all works out okay for you, though.

I havent the slightest idea...this is just what they offered. I forgot to mention when I called the number provided to make payment arrangements the person answered the phone "hello"
What kind of lawyers office answers the phone "hello"?

Baker Miller Markoff and Kransky LLC is the firm. 29 N Wacker Drive 5th floor in Chicago

Alicia Thomas is the contact number I was provided with

Baker Miller Markoff and Krasny...my bad

i find a lot of them answer the phone that way. it makes me very weary of them. what did the judge have to say?

Nothing...gave me a different court date and a chance to find a lawyer. Unfortunately I did not have a chance to speak to any of thier lawyers since they were only "represented" in court.
I dont understand how you have representatives FOR representatives for Discover.
That and answering the phone "hello" is how a person answers thier home phone. Am I wrong?

Discover are sharks. HIRE AN ATTORNEY who specializes in fighting CC debt. They MUST prove that you owe the debt and the paperwork and burden of proof is 100% on DISCOVER. I just fought them and WON. $19,000.00 of debt GONE because they can't prove I owed them. This after 3 years of battling and offering to settle at 40%. They refused so I let them sue me and WON!!!!:D:D:D:D

How did you win? I have a court date coming up and any help on what went on in court.