Sued and settling

Usually you would settle with the attorney collecting on behalf of the creditor .

I've been sued a couple of times by creditors; in each case when I received the summons, I called the attorney representing the creditor immediately, and told them I wanted to work out a settlement before the court date. I am in a debt settlement program, so at that point turned the negotiations over to my settlement company. If you are settling on your own, you can work out the arrangements yourself, as well. Settling before the court date and making payment arrangements ahead of time will keep them from getting a judgement against you. I did go to court in both cases though, only to have the cases officially dismissed (with leave to reinstate - meaning, of course, the lawsuits could be reinstated if I did not make my payments).

Susie Q what debt settlement company are you working with, if you don't mind me asking. I was working with Persels and Associates and found them to be horrible to work with. I've been looking into DS.

I've been with Superior Debt Services for about a year and a half, and they've settled 6 of my 9 accounts, plus I settled one on my own that wouldn't deal with ANY settlement company (Advanta). So I only have two to go, and hopefully will be done earlier than the estimated 3 years. I feel they've done their job very well; the pitfalls like the possibility of getting sued are inherent with ANY settlement program, even if you do it yourself because there are always creditors that don't want to wait. And since I started with 9 accounts, of course I couldn't do them all at once. I just made sure I fully researched not only the company and its policies, but everything to do with debt settlement also, so there wouldn't be any nasty surprises. If I hadn't had $90,000 of debt to deal with, I may have gone another route, but this seems to have been the best choice for my situation.