Legal Question in Credit and Debt Law in Arizona

collection on repo car

In January I received a Summons regarding a collection of 3210.84 due a repo from about 5 years ago. I filed an answer agreeing to the repo on questioned the amount and the reason, as well as having no contact from the collector until I actually got my Summons, that's when I found out. I just got done with the pre trial Conference. The lawyer for the plaintiff said that I actually owed around 4900.00 due to interest and other fees. They mailed the disclosure to my old address and I never received it. She said she can negotiate down to 3745.00 and cannot go lower. I didn't at this time accept to settle for that amount. I was wondering if it's better for me to just pay the negotiated settlement or hire an attorney? I have pretty much that amount in my savings. Would be more money to go through the trial with an attorney and ''hopefully'' win or just pay the settlement? Thank you.


Asked on 7/02/09, 6:34 pm

1 Answer from Attorneys
Richard Groves Law Office of Richard Groves

Re: collection on repo car

Defending a civil action based upon a debt is somewhat technical, depending on whether or not the person suing you is the original creditor or a bad debt buyer.

Your options at this point are dependent on an evaluation of the other side's case against you.

Before you decide to pay $3745 to ANY Plaintiff, I recommend that you consult with a consumer attorney to review the potential of alternative actions.

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Answered on 7/02/09, 6:50 pm


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