My question involves collection proceedings in the State of: New York
I live in NY; bank is in another state. they hired a law firm 4 hours north of my area of NY to sue me for $14,000. I offered lump sum $5000. They countered with ca. $9,000 saying that or no deal. Are they supposed to communicate a counteroffer if I say I could do a lump sum of say $7k? I don't have the amount they want and I have until tomorrow to get the original amount or they say basically see you in court.
It wasn't an attorney who answered me but a rude paralegal. Should I contact the cc co. with my own counteroffer if law firm says no way?
by the way most of my income is exempt, not much to garnish, but still trying to avoid a judgment. And when laywers make deals in the halls before the court case do they actually expect cash or do people bring a certified check? They risk getting very little over a very long period of time otherwise. Still, I
d rather settle now. thank you!