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Home > Reader Questions > I’ve Just Been Sued. How Do I Get Out of My Debt Settlement Program? – Heidi

I’ve Just Been Sued. How Do I Get Out of My Debt Settlement Program? – Heidi

Beginning to go through a divorce and I have a two year old son. We share custody of him. Last year my job was cut from full-time to part-time. Down to three days a week. I have be working odd jobs and retail to supplement.
With money scarce I entered into a debt settlement program. I have been in it since January and nothing is happening other than all my credit card bills going to collections and my credit in the toilet. I just received a summons from one of the creditors.

I have many questions….what do I do with the summons? And how do I get out of this debt settlement program? They will not answer my calls or emails anymore. I am scared they are going to keep all this money that I have put into the account. I need help!!

Heidi

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Ive Just Been Sued. How Do I Get Out of My Debt Settlement Program?   Heidi
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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • http://DamonDay.com Damon Day

    Hello Heidi,

    Unfortunately your results are typical of most debt settlement programs.
    First I would read Steve’s article about how to get out of a debt settlement program and get a refund.

    http://getoutofdebt.org/20126/how-to-get-out-of-a-debt-settlement-program-and-get-a-big-refund

    Now you have to address the lawsuit. Do you have any funds available? Has the settlement company taken all of your money in fees, or is there an escrow account that at least has a little money in it?

    You can either try and work something out with the attorney or let the lawsuit go into a judgment if you don’t have the ability to work something out. Without knowing more about your situation, I can’t really tell you specifically what you are going to have to do, or what your best move from this point forward will be.

    Who is the debt settlement company that took your payments and now conveniently won’t call you back, now that you have been sued?

  • Damon Day

    Hello Heidi,

    Unfortunately your results are typical of most debt settlement programs.
    First I would read Steve’s article about how to get out of a debt settlement program and get a refund.

    http://getoutofdebt.org/20126/

    Now you have to address the lawsuit. Do you have any funds available? Has the settlement company taken all of your money in fees, or is there an escrow account that at least has a little money in it?

    You can either try and work something out with the attorney or let the lawsuit go into a judgment if you don’t have the ability to work something out. Without knowing more about your situation, I can’t really tell you specifically what you are going to have to do, or what your best move from this point forward will be.

    Who is the debt settlement company that took your payments and now conveniently won’t call you back, now that you have been sued?

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