I need help. Midland credit bought my credit card debt from capital one. They’ve been calling me for about a year and I’ve never answered because I’m scared of talking to them when I don’t have the money to pay them. I’m not great about standing up for myself and didn’t want them to pressure me into something. So I’ve been putting them off until I have the money, which hasn’t happened yet, I live paycheck to paycheck and have no extra money to give them. Now they’re suing me and I don’t know what to do. If I couldn’t make a $60/month credit card payment what in the world makes them think I have $2000 to give them?? I didn’t stop paying the card for fun, I had to so I could keep paying my more important bills. They served me papers, which included proof of the debt, and of course they’re going to win the lawsuit. I’m terrified of what’s going to happen afterwards. If they freeze my bank accounts and take my paychecks I won’t be able to pay my bills and will lose my house, my car, everything over a debt that they bought for pennies on the dollar. What do I do?
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