Should I just pay up or fight it in court?

Seeking Advice
1

Hey all, looking for some advice. About 10 days ago, I got a summons from H&H, and I spoke to someone there on the phone last week. I made the mistake of telling them I could try to pay, but I honestly don’t remember owing close to $6,000.

I asked if they’d drop the lawsuit if I paid, but I have this feeling they’ll still want the full amount. My trial’s set for March 2025. I also asked for more info about the loan, but all I’ve gotten so far is an amortization report.

I’m planning to file my answer at the courthouse next week, but I really don’t want to send them a money order or give my bank info. What should I do from here?

2

Honestly, just pay it. I was in a similar spot, and once I paid off more than $6k of debt over 18 months, my life felt so much better. It’s worth the peace of mind. No more dreaded phone calls or ignored mail. I had to change my spending habits, but now I’m debt-free, and it feels amazing. Highly recommend.

3

@Lex
I would pay, but I’m worried they’ll charge more, like court costs for Chase’s attorney. Thanks for your advice and congrats on being debt-free.

4

Axel said:
@Lex
I would pay, but I’m worried they’ll charge more, like court costs for Chase’s attorney. Thanks for your advice and congrats on being debt-free.

Court costs could add up if it goes to court, so it might be best to talk to them and work something out before that. I wish I had contacted my debtors sooner. They gave me 6 months with no interest charges because they didn’t want to go to court either. Maybe reach out to them and explain your situation.

5

@Lex
I did contact them, and they agreed to $3,765, but I’ve read that some lawyers don’t always update payments.

6

Axel said:
@Lex
I did contact them, and they agreed to $3,765, but I’ve read that some lawyers don’t always update payments.

If you go ahead with it, make sure to get everything in writing. That way, if it goes to court, you have proof of the agreement.

7

@Lex
Thanks for that advice. I’ll make sure to get everything documented.

8

I know I’ll probably end up paying, but what should I do after filing my answer? I can’t see the photos I posted, not sure if you can either.

9

Axel said:
I know I’ll probably end up paying, but what should I do after filing my answer? I can’t see the photos I posted, not sure if you can either.

They’re asking for $3,765, and that’s the lowest they’ll go.

10

@Axel
The law firm is representing the plaintiff, and it’s possible their client won’t settle for less than that. Sometimes, that’s just how it goes.

11

Definitely file your answer, even if you’re planning to settle. If you don’t, they could win by default, and you’d be on the hook for the full amount. Also, ask for a debt validation to make sure the amount is right. You can consult a lawyer for free to get more advice.

12

@Hal
I did ask for validation, but they haven’t responded to that part.

13

Axel said:
@Hal
I did ask for validation, but they haven’t responded to that part.

They might send it through the mail. I had to wait about two weeks when I asked for one, so hang on to that request as evidence just in case.

14

Axel said:
@Hal
I did ask for validation, but they haven’t responded to that part.

Since you’ve already been sued, they don’t have to provide validation unless you request it through the discovery process. Check your court’s civil procedure rules for that.