My question involves collection proceedings in the State of: Mississippi
My wife fell behind on her credit card payments after Hurricane Katrina, she had to take a job that payed less money, and I am currently on workers comp and social security disability.
The debt that we recieved the summons for is a debt of roughly $7,500, although I am unsure of the original debt amount (I imagine they have tacked on quite a bit of fee's and penalties).
We are pretty broke. I would like to settle before court if possible, but unless they were willing to settle for something in the neighborhood of $2,000 we just cannot do it.
We cannot afford an attorney, and I would like to know my best course of action
Also my wife is pregnant, and I am worried about the stress that this could cause her. Would it be possible to postpone this until after the birth of our child?
Thanks in advance for your help.

