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-Can I file an "answer" instead of appearing?
-Sum appears to be inflated, but not able to confirm from the original creditor (the plaintiff, a law firm, included the last balance statement and two additional payments I made to them after the debt was charged off by the card co., and passed to the law firm). They, of course, added attorney's fees of $350.
-When I made the 2 payments to law firm in August, I told them I wanted to do a settlement. They were very unreasonable in their negotiations and spoke of $3k-$5k lump sums. I told them if they couldn't do a more reasonably monthly-type payment plan, the best chance of getting them a lump sum settlement would be after first of the year, after income tax returns.
-The firm continued to call relentlessly and finally sent the summons.Should I contact the law firm in advance of the appearance date and try to settle, or is this a bad play with respect to trying to get the balance reduced?