Re: Being Sued for Credit Card Debt in Arkansas
Is there some reason you believe you might prevail in court?
You can attempt to negotiate if you choose. They may require you stipulate to (accept) a judgment in exchange for and reduction in what is owed. You will only know if you ask.
If you do not respond to the complaint properly (in writing and as the summons directs), they will be awarded a default judgment.
I am not an attorney and any advice is not to be construed as legal advice. You might even want to ignore my advice. Actually, there are plenty of real attorneys that you might want to ignore as well.