The debt is for little over $20,000. The plaintiff is the original creditor (i.e. Citibank). I have been under economic hardship due to loss of substantial portion of my income due to closure of the company that I used to consult for, which accounted for most of my income. I have been through the law suit process before and have worked out settlement agreements on my own with other creditors, but the entire process is becoming overwhelming and time consuming, so I am seeking an attorney who could assist me on this case. I have not yet replied to the summons (Law Division/Bergen County). I would like to ideally settle and/or workout a payment plan. An ideal attorney is someone who has previously defended against Citibank and/or Slater, Tenaglia, Fritz & Hunt (plaintiff's attorney).