Legal Question in Credit and Debt Law in Pennsylvania

Who is telling you these things? How can a judgment be entered for $300 and the attorney is demanding $900? This makes no sense.

And creditors don't "attempt" to have a civil judgment against you. They sue you or they send a collection letter. Have they sued you?

If so, then you only have 20 days to answer the complaint. Many lawyers specialize in credit card defense if you wish to go the litigation route. If the debt is yours and you have no defenses (like the statute of limitations), and you wish to settle, I can help for a reasonable fee. You should not be dealing with the creditor's lawyer on your own.

Settlement depends on who the creditor is and what the creditor is willing to accept. I have a creditor of a client who insists on 100% of the debt. That is the creditor's right. There is no law to force them to accept less. Many do, just because they want paid. It also depends on your circumstances; some creditors require that you give reason for a hardship to accept less.

If what you say is true that the judgment will be for $300, then let it be entered and pay the $300. Paid judgments will not affect your ability to get credit, only unpaid judgments do.

You leave out a lot of details. If I knew who the creditor was and the law firm and could see the complaint, I could give you more detailed advice. If you are interested, please contact me at [email protected]