I have received a warrant in debt for an unpaid credit card , and responded at the court date requesting a Bill of particulars, after receiving the Bill of Particulars and before I have submitted my Grounds of Defense the law firm representing the Original creditor sent a settlement offer (more then I can afford to repay). The original debt is for 7000 after fees, interest etc.Their offer was a settlement for 4000, I can after using all available resources only come up with 2000. I do not have any assets and I am trying to avoid garnishment or bankruptcy. I called a local lawyer who only told me he could only assist if I can come up with 3500 lump sum to offer and he also told me not to disclose to the collection attorney where I worked.How on earth would I avoid that disclosure?
Ross Smith, an Ohio attorney has written a great article about settling credit card debts & I am posting a link to it below.
In civil law, there is no "right to remain silent" but you do have the right to not be stupid & volunteer information you are not asked or lie to a question asked of you. Hope this perspective helps!