So my situation. While we were still together my ex maxed out all of my credit cards. Stopped paying most of them (She handled our finances) Then left. I am on a very limited fixed income due to a permanent disability (SSDI). 3/4 of which goes towards my mortgage, rent and utilities.
My finances have stabilized somewhat, online surveys have helped, and I can save small amounts here and there, but not enough to handle the debts. And not reliably enough to enter into a payment agreement.
One of my debts was handed over to Portfolio Recovery Associates. I received 3 letters from them last year, and now they have sued me. They served me a few days before my state went into Stay at Home. I have talked to the county courthouse and they say all filing dates remain the same. So I have not been able to find legal assistance. The only advice I was able to get was that my income and assets are not something that could be garnished.
With the stimulus package coming in, hopefully before the court filing deadline. I am considering calling PRA to see if I can negotiate a settlement. The debt is $2400, and if I were to scrape everything I have together, plus the stimulus, I could at most pay them $2000.
My big problem is that I have severe anxiety, and social phobias. So talking to them will be incredibly difficult. It's best if I head into it as prepared as possible.
What are my odds of successfully negotiating a payment with them? Should I put the money towards one of my other debts instead? If I lower the one I have been making payments on sufficiently it would make my month to month easier, but I would still likely have a judgement hanging over my head.
Also, does anyone have experience dealing with PRA. Are they a reasonable company, or one of the abusive ones?
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