Re: Auto-Loan Repo... Creditor Sued for payment
1) Pay off the debt - in full or work out an installment plan. 2) I don't know anything about that credit counseling serv. - others might. There are many out there - some good & some bad. 3) Since you have been sued, if they get a judgment against you, they can seize non-exempt assets, seize bank accts., possibly garnish wages . . . . 4) What your friend told you is not necessarily true. There are banks/institutions out there that will loan you money particularly after you have completed the program & pay your current loan off though you may have to pay a high interest rate.
Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.