i was wanting to know what options that i may have. I want to pay the debt
Filing for Bankruptcy will automatically stay the lawsuit against you. Trying to represent yourself in Bankruptcy is unwise to put it nicely. There are both Federal and Local Rules of Bankruptcy that must be complied with. It is not merely filling out forms. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced TN bankruptcy attorney. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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If you were still just negotiating with the creditor, then you may have more leeway; however, now that you have been summoned to court, they will take a judgment at court. If you want to pay the debt, then you should negotiate with the attorneys well ahead of the court date. You will probably also have to pay attorneys' fees too.
If you would like to pay this debt, you may talk to the attorney that filed the lawsuit against you on behalf of creditor. It is always best to consult an attorney before doing so, however and know that anything you tell them can be used against you in collecting the debt. You can contact the law firm before you have to be in Court and you can request proof that you owe the debt and proof that it is properly tied to the return of personal property. Many creditors may have you write down your property, but they may not be able to legally take it from you. A creditor cannot come into your home without your permission, and I would not give them consent or return any property until you have spoken with a lawyer.
If you have other debts or this is a large debt that justifies filing bankruptcy, a Chapter 13 allows you to repay creditors under your terms. Most attorneys offer a free consultation, so I would look for a lawyer through AVVO to help you find the help that you need, as these matters can be more complicated than they may appear.
Please note that this is general legal information and is not intended to substitute that of your own attorney.
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