Legal Question in Credit and Debt Law in Georgia

You need to defend the suit, or you will automatically lose. You should call a lawyer ASAP (and after discussing this debt AND your other debts you can determine a course of action).

I am of the opinion - and not just because I am an attorney and usually benefit financially, but because all too often I've seen the adverse ramifications that can result - that one should ALWAYS retain the services of an attorney when litigation is involved (and even when not; for example, many consumers don't realize that entering into a repayment plan or even making one payment can re-trigger and extend the limitations period for both the underlying debt/claim and for Credit Reporting purposes. And this is just one random issue that immediately came to mind).

This sounds like a matter that is squarely within my practice area, but virtually all of my cases are undertaken on an hourly basis. To that end, the need for legal counsel must obviously be balanced with one's means and reality, and I would hate to see anyone "spend good money chasing bad".

Auden L. Grumet, Esq.

If it is really a $300 debt, it makes zero sense to pay a lawyer (except to the lawyer) more than that to defend the case. It is your debt, settle it in exchange for a dismissal, and move on.