“Dear Steve,
I had a summon against me but didnt show up to court because I was served after the court date & it honestly slipped my mind i know you are thinkind how could i forget, but after dealing with my son that has autism i really did forget, eventhough i know that is not an excuse. So now i was served with a judgement and i dont have the money to pay in full.
So what is the best thing to do and can I make payments instead of paying in full?
Stephanie”
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Dear Stephanie,
Bless you. Sounds like you had a lot going on and life just distracted you. However, honestly, it did sound a bit like the dog ate my homework.
It doesn’t really matter why you didn’t got to court for the lawsuit. Most people don’t, they are intimidated and scared. But the bad news is when you don’t show-up you automatically lose.
At this point the best thing is to contact the creditor that sued you and attempt to make repayment arrangements you can afford. Just don’t over-promise to make a regular payment you can’t afford. The key to success from this point forward is going to be not forgetting to make your new promised payment, even if life does get crazy. If you miss a payment, they may go for the next step, a wage garnishment.
