I am being sued for some personal credit card debt by a third party collection agency. I have tried to work out payment arrangements with them many many times, but nothing I ever offered was good enough. I am currently unemployed and the only asset I have is my home (which is a joint asset--my huband and I). So, what should I expect from the hearing??? If they get a judgment, what can happen after that? Should I get a lawyer?
Thanks in advance for any help! I'm scared to death!