Q: Should I accept the debt I was served with or say no and go to court? I need the easiest/cheapest way through this.
Hello, I was served with papers on May 23rd which started my 30 days to respond from Prestige Financial. I had filed bankruptcy, Ch. 7 in April 2021 and got a car through Prestige. They were 1 of many people that sent me letters about getting a car because I filed bankruptcy. I'm a married father of 2 little girls and we live paycheck to paycheck unfortunately as my income is the only 1 in our household. My wife has to have medication that costs me alot out of pocket every week. We have no money in the bank and if you were to add up everything in the mobile home we rent we probably wouldn't have even $10,000 worth of stuff all together. What would be best? I have read that I can't file bankruptcy again, 7 or 13 for at least 2 yrs and I am wondering if I need to accept the debt and recieve a payment schedule and start paying a little on the debt so it's not necessarily a set amount, I don't guess it would be anyways but idk. Or do I need to say no I don't accept the debt and get a date?
A: Determine whether you view the debt first. If you don’t, challenge it in court. If you do, try and negotiate a payment plan or lump sum payment to resolve. Consular sn attorney who can help you choose the right path.
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