I asked a question a few months ago about my elderly mother’s sitation, I am her caregiver, (see link in background info of this form). Yesterday Friday 4.8 she was served with papers by Michael J. Scott representing Citibank and has 20 days to respond.
My mother is judgement proof her only income is social security and a pension, she does not own a home, or have any savings, stocks, or anything of that nature. I don’t know what to do. I am terrified. I don’t want to go to court, I suffer from severe anxiety and this would only agitate and upset my mother more, she has mental and physical issues.
Should I send this Mr. Scott a letter telling him she is judgment proof? I don’t know how to answer the court papers and I have been unable to find anyone who can help me, everything I read online just scares me more and more, some say ignore it, others say don’t. The debt is a large one, and I just can’t afford to pay Mr. Scott or Citibank hundreds of dollars a month, there is very little left after all necessary bills are paid, and since Citibank would not work with us, I am afraid to even ask Mr. Scott if he would accept a small monthly sum like $50 or $100 to avoid court. Can you please advise me on what I should do.
Thank you for your time,
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.My Elderly Mother Just Got Sued by Citibank. I Think She's Judgment Proof. - Kay by Steve Rhode