My question involves collection proceedings in the State of: Illinois
Today I received a Summons to appear in court on Oct 16 from a Capital One credit card. The letter attached was part of the statement that showed as of March 2007 I was 6 months behind.
The original amount owed is now almost doubled with fees added.
I am a stay at home mom of 2 little children and do not work because (may sound weird to those w/o kids) I do NOT trust leaving my kids with anyone so I will not put them into daycare, therefore I will not work til they are both in school. They are my priority.
At any rate, Ive never had any legal issues ever in my life and Im 30 yrs old. Is there anything I can do to avoid going to court and avoid all the extra fees? Can they garnish my husbands pay? We are barely able to keep the lights on now but want to fix this. I would be more than willing to settle and start getting this behind me.
Thanks in IL