My question involves collection proceedings in the State of: NY
To make a long story short, my wife entered into a debt settlement program prior to when we got married. She had accumulated $11k in debt between 2 credit cards. We have now paid a total of $6k to the debt company between fees and the pool of money they're supposed to settle our debt with. After 28 months, nothing has been settled and we are now being sued by the credit card company.
Obviously, we feel helpless. I had a consultation with an attorney and he told me to stop paying the debt company and that the $6k we paid is basically gone. The debt company is telling me they're trying to settle with the company suing me. I'm not really sure what to do or who to believe at this point. Do I handle the summons myself rather than hire an attorney? Can anyone offer advice?

