r/Debt•
Ok_Anteater1786

Been served papers and have a court date set, Can I contact the people handling my case and see if there is options to avoid court.

Hello, Like my title says I recently have been served papers and and have a court appearance April 23. I had a credit card and life got in the way I couldn't make payments and the Debt was sold to Midland Credit. They are working with an Law firm and served me papers. When I went on their site (Midland Credit) it said that the law firm would handle everything from now on and to contact them for payments and info. Fast forward today I had a knock on my door and was served papers, I'm sure they're going after me for the debt I owe (around 4900$). I had other debts and and took the time to slowly work with them and pay them off and am trying to get a fresh start. My Question is how likely would it be for the law firm to dismiss my case and work with me with a payment plan or a even a lump sum, I'm trying to avoid any court and lawyer fees and any garnishing of my wages. Sorry in advance if I seem all over the place and my post is hectic, Still trying to get this figured out. Anyone else have something similar or any advice that may help?

Posted Mar 14, 2026, 12:19 AM UTC

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