[Djuro]

My question involves collection proceedings in the State of: Richmond, VA

I have a warrant in debt a bit over $1200. And have court-date tomorrow morning, I am in high hope that some of you are sleepless and are able to suggest or comment on what I should do.

I am insolvent of paying this debt. When I had $400, I called the creditor, but Capital One refused to settle for that amount. My net worth is less than $37. As in My Assests(None) + My Income minus my Expenses get me less than $37.

Am I going to be able to appeal my current situation to this court hearing/judge? I am trying to fight this myself, obviously I cannot afford a lawyer. The least I can do is try.

[Mr. Knowitall]

You have not indicated that you have any defenses to the debt, above and beyond your inability to pay. But really, you say that you have no assets and apparently no income, so the creditor can't do much.