Q: Can I settle debt with a collection agency directly, or do I need to go through the court if already served papers?
A debt collection agency is taking me to court for $2,200. I was served papers and was advised I had 20 days to enter a written appearance. Can I attempt to settle this out of court with the collection agency directly, or do I need to go through the court?
You can do both, but you can't ignore the court unless you want a default judgment against you in the full amount sought. Adhere to all court deadlines, but at the same time (and if you like), try to negotiate with your creditor (or its agent, whoever has filed suit against you). If something is worked out quickly, the creditor will dismiss the suit or mark it settled/ended with the court. If no resolution is reached, then you'll go to court.
Best of luck to you.
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