My situation is similar to one posted last year on this forum, and I need advice.
Last year I ran into debt problems due to the economy (of course) and was unable to pay on credit cards any further (I had three major ones--dummy that I was).
Earlier in the year I found a debt settlement firm to help me, and so far they've settled with Wells Fargo (good news). Bad news, though, is that I was served a civil summons a few weeks ago by a debt collector c/o Sessoms & Rogers, P.A. out of Durham NC. The settlement people I work with are not yet ready to deal with this, since I'm still paying installments to settle with Wells Fargo (this is an HSBC debt, I believe).
Obviously I need to write an answer to this summons. Exactly how do I do this? Since I couldn't afford to continue to pay the creditors I can't afford a lawyer and need advice fast.
Thanks for any help you can give me,
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