Legal Question in Credit and Debt Law in Georgia

Since this matter looks like it's going to Court, I strongly recommend that you hire a creditor's rights attorney. I'm happy to make a recommendation/referral if you would like (I'm don't specialize in that area). There are MANY potential pitfalls when answering a lawsuit. Best of luck.*******The above is for informational purposes only and does not create an attorney-client relationship.*******

You can pay a lawyer several hundred or thousand dollars to litigation the suit, and in the end if you owe the money and the other side will not settle, you still have a judgment. No one here knows the numbers because you did not tell us, but keep in mind that money paid to a lawyer is often better spent settling the debt (or paying it in full). One thing that could be worth an hour of a lawyer's time is looking at the lawsuit and making a call about a settlement. Actively litigating the case is expensive.

Once you been sued, your options to settle are minimal as you can't make a creditor settle and you have to act in a short time frame. Be aware also that there can be bad tax consequences to settling, and that your past settlements may also create a problem legally for you now.

You need a lawyer now. Don't assume you make too much for a 7. Some people who are over the median on a means test can still pass that test and file a 7. A 13 also may be a better option than losing a suit. So again, get counsel. If your are in or near metro Atlanta, feel free to call me.