I am being sued for 19,000.00 on a credit card
I am being sued and cannot afford a lawyer. I only have one delinquent credit card (the one I am being sued on). I am current with everything else, mortgage, auto, equit and 3 other credit cards (all with much lower balances). In Massachusetts if they garnish my wages it will be $125.00 a week ($500 a month) which will cause me to default on my other bills. I could not afford to keep up with the payments when with the creditor (Bank Of America) as they were about $400/month (so how can I pay $500 via a wage attachment) What are the odds they will let me pay $125 - $150 a month or should I just go to court and tell this to the judge. I am not a deadbeat and only have this one credit card issue. I am a paycheck to paycheck person and do not know what to do. My wife is now disabled which is when the trouble began. She was not working for 2-3 years and now on disability but only getting $750/month when she was getting $1400/month working. In addition, I was paying $850.00 month for family health insurance and have had serious operations over the past 8 years including both knees and both hips totally replaced. Will a judge consider any of this? Any help is appreciated. Thank you.