Legal Question in Credit and Debt Law in Arizona

Re: Summons for credit card debt

Settlement should always be sought, however, the plaintiff/creditor is not required to settle with you. Bottom line, the creditor wants to get paid, sooner than later. I would suggest that you contact the attorney and attempt a settlement. Be prepared to be offered a stipulation to judgment, unless they accept a lump sum for you then a stipulation for dismissal. Good luck.

Re: Summons for credit card debt

That is becoming a more common response to responding to debt settlement companies; just filing a lawsuit. Typically the debt settlement company attempts to disclaim any duty to provide a legal defense. If there is not enough money built up under the plan then a settlement is difficult. In my opinion, I would just defend the case. If the Arizona law firm is Hammeroff and Lavinsky you might be able to work something out with counsel.