Recieved a letter that i am gong to be sued by Visa
Hi I was in collections about a year ago over a visa debt and my family and i were being harassed by this collector by crank calls calling me and my family names yelling at my family if they would tell her i wasn't home etc. Finally when i got to speak to a manager there and he apologized and said they would take my file out of their system and i would be able to handle it when i could afford it that was it no contact since then i moved out when i got married and that was that. Then yesterday i was visiting my parents and they told me i got a letter in the mail i open it and it is from law office stating that their client (visa) is going to sue me if i don't pay my debt ($2000) in dollars in ten days and i will have to pay for court charges and garnish my wages and take my property. I don't own anything just have a joint bank account with my husband. What can i do and how can i fight this andy advice? I am so scared because i have on child and another on the way and my husband works paycheck to paycheck i don't know what to do?
Bia