This is a valid debt that I owe and I just passed 180 days of non-payment. I went through a divorce 6 months ago and am now paying child support. I am 37 years old, own a home, a car, have a pension, and a 457b account, but have wiped out my savings. After the child support was instated, I could barely afford to pay mortgage and utilities, much less my 3 credit cards (summing ~$26,000). I have been somewhat successful in negotiating with the other 2 accounts, but this local CU is relentless. They've been nasty from day one and refuse to even entertain a conversation on settlement.
The answer I can imagine for this summons is a 'prayer' or request for settlement or arbitration. Is this something worth shooting for or should I consider Ch 13?
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