My question involves collection proceedings in the State of: Georgia. I received a summons from chase about an unpaid credit card and I need to answer. I tried to set up a payment arrangement that I could afford until my financial situation changes. They would not accept. I do owe the money and would like to pay. I would like the end result to be that the judge sets up payment arrangements. My question is that if I answer only saying that I owe the money and at this point cannot pay the payments they require, will they get a summery judgement and at that point be issued a fi fa which will attach to my home? Since I am not denying that I owe the money and therefore not stating a defence, will I miss my day in court and not be allowed any payment arrangements. If this is the case, my only other option would be to deny the amount that they are seeking. If I do this, do I have to state the amount that I Believe I owe or can I get by with just denying the amount. I would like to set up payment arrangements and not get a fi fa on my name. Please help?

