My question involves collection proceedings in the State of: PA. I am due in court tomorrow and need some last minute advise if any. AA is trying to collect an old national city credit card charge off from two years ago. The amount is $1200 now but principal is $496 and at time of charge off $983. I used to have a balance on a chase card and moved it to national city and they refused to accept my mailed payments in order to jack me up with late fees and void the locked low interest rate. After trying to resolve the issue I stopped paying national city since what they were doing was illegal.
The debt has bounced from one collection agency to another now these asset acceptance people are suing me for $1200. I can't afford an attorney I am unemployed and collecting UC benefits. My bank account has $40 in it.