Cannot go pro SE myself , would like a friend who has been through the same situation speak for me , since he is not a lawyer he cannot do that for me , so could I sell the debt to him so , that he could go into court and argue the case ? Summons and complaint , Washington .
Real Estate Attorney
Even if your fried for some reason were to accept responsibility for the debt on your behalf, that wouldn't eliminate the creditor's right to go after you (which they have already done), and your friend cannot represent you if he/she is not an attorney.
I am not your attorney. My response is provided for informational purposes only and does not constitute legal advice.
Debt Collection Attorney
I would STRONGLY urge you, like all individuals, to hire counsel who could seek a discounted settlement and defend you for the whole kit and kabootle if that was determined the best course of action . My experience is that folks who do not hire representation, while they end up saving some $ in the short run in terms of not having legal fees, on end up in the intermediate run costing themselves $-wise much much more.
Some attorneys, such as myself, offer reduced hourly rates for initial consultations on such cases and/or flat fees for initial court actions so that you, the debtor, aren't left with a large unexpected legal defense/negotiation fee. It's better to be "pound wise".
Elder Law Attorney
While I agree with the other attorneys that your suggestion is probably not a good idea, I do want to say that: (1) you deserve at least 10 points for creative thinking; and (2) you probably can sell / assign the contract to your friend such that s/he can go to court and defend the lawsuit. This does not, as other attorneys point out, work any "novation" of the obligation, such that your friend becomes responsible. If your friend loses in court, you have the obligations under the contract but not the benefits (if there are any). Also, to sell/assign the contract, there would have to be some actual benefits remaining under the contract OR you would have to each provide some benefit to the other for the contract to be valid. If you research that issue, the word for a mutual exchange of benefits or promises is called "consideration."
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