I had a credit card about 6 years ago or so which I used to it’s limit, about $500.
At the time and for several reasons I didn’t have money and I couldn’t afford to pay my bills. Eventually the account went to a collections agency which pestered me for a few months, until I moved. I never heard from them again. Until now, that is.
Several years later, today, I get a letter from a court officer saying that I must contact him within 48 hours about seeing a judge or be arrested and brought before one.
Now, again at this time in my life I’m basically peniless (after an unsuccesful attempt at a small buisness). I’m trying to go to school and live on the kindness of one of my parents and my girlfriend while I straighten myself out and get a decent job with which to repay them for their love and support. But basically I own nothing. I use a computer in my girlfriend’s apartment where I live, but she bought it, it’s hers. The only thing I own is my clothes and some CD’s, and my school books. So I really cannot pay this debt (which has inflated to 3 times what I spent all those years ago).
Mind you, I do want to owe up to my obligaitons. I want to pay off the debt, but I don’t know when I’ll be able to do that. I have to finish my current courses, and get a job first before I can even begin to make any payments.
What should I do? I have 48 hours to answer the call the court officer or I’ll be arrested, and I definately don’t want that.
Anyone had any experience dealing with this kind of situation?