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The debt collector/attorney has been working with you for two years and has "an excellent reputation among people of faith?" I'm sorry, but I have a hard time understanding that. Were you involved with a credit counseling program and now something has gone wrong and a debt-collector has become involved?
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Judge, look at my post again. I never mentioned a debt collector/attorney who has been working with us for two years, who has an excellent reputatoin among people of faith. That would be weird. I mentioned a financial counselor. They don't negotiate with CC's or anything like that. Nuf said.
Anyway, thank you for your encouragement. I'm getting more courageous here. When you say "things can get nasty"...that seems to contradict what you said prior to that, regarding the inability to garnish wages and put liens on homes for unsecured debt. Could you elaborate?? What specific type nasties happen in court? It's not a
trial though is it?
Thank you for your time.