Hi - My husband and I have been having financial problems for over a year now. Last year I signed up with a credit counseling Service and had them lower my interest rates and I paid them one lump sum each month that they sent to all of my creditors (Oh and by the way, my main reason for signing up for a company like that was all the advertisements I saw stated "Reduce your monthly payments and interst rates". Well they did reduce my interest rates, but my monthly payment was only $50 less than what I was paying. When I told them I couldnt afford the monthly payment they said that was the best that the credit card companies could do.) So I paid the monthly payment for three months until I could no longer afford it. I also called each Company after I stopped dealing with the Credit Counseling Service and explained our financial situation and how much I could afford to pay, but none of them wanted to work with me. So as of August of last year I stopped paying all of our credit cards, since we could barely afford our house payment and grocery bill each month. Last week I sent a letter to each of my creditors asking to settle the account and pay 30% of what is owed, since a family member lent me some money. Three of my creditors have already sent me a summons. I never answered any of the summons. (I didnt know how to handle the summons and every time I got one I through it in a folder, with the intent of taking care of it. One week turned into two weeks turned into 1 month. Out of sight, out of mind I guess.) So now that I am trying to clear all of these debts what do I do about the summons? Do I send the attorneys the same debt settlement letter I sent the others? Have I ruined my chances to work with them? I live in NY State and really need some help.