I have a credit card debt of about $3,000 (half of which is interest) and I am getting sued by Midland Funding LLC. Description on the court docket says "Contract $2500-5000." It's been 2.5 years since I made a payment on this credit card so it's within the statute of limitations. I am a recent college grad with a $30k salary job, student loan debt of about $40,000, I have no fruitful assets. I received a letter from the law firm representing Midland that stated, "We are offering you the opportunity to discuss your proposal for resolving the lawsuit."
Any advice is appreciated. I currently don't have money to pay off this debt and don't want my wages garnished. I was planning on paying this debt in full, but in the future when I saved enough money. How can I win this lawsuit? Thank you!