Any advice is greatly appreciated.I am just a ordinary guy with wife and child,works hard,never had any issues or trouble with anybody.However 2 years ago I could not pay credit cards and go so far behind I never could catch up.Portfolio Recovery Associates been sending me letters for a while.I have been trying to tell myself not to worry about what I can not control because there is nothing I can do but I finally got the General case filing paperwork.
I really do not know how a person in my shoes should proceed.I have no money to negotiate and I cant afford a lawyer.I know nothing about the laws or what to do in a courtroom.My only experience with a courtroom is watching a "A few good men" and "a time to kill" not trying to be funny but my point is that I am a candidate to make a bad choice or mistake.
What is likely to happen to somebody that really has no money.My bank account usually has between $100-500...sometimes grows to $800 briefly but Its pretty much been that way for 2 years.I pay the bills all a litlle late but just barely,no savings account,car title is always at titlemax pawn shop.I just dont have money.I have no possesions worth anything
Do I actually show up and just say I have no money?if so what happens.Can I be ordered to pay money when its obvious I do not have money? I do not know how to dispute that I owe when they have all the paperwork and paperwork where they bought the credit card debtWill they assign me a payment plan anyway.I owe this account over 15K and so I doubt I could call them now and offer to pay $100 a month
I work for myself selling items on ebay using paypal so I dont have what would be called a normal job but it has been what I have been doing for 12 years.I did not want to file bankruptcy because ebay and paypal would kick me off.
Any advice is greatly appreciated.I am overwhelmed and I have a wife and child who count on me.