I don't want to file bankruptcy because I want to buy a house. The creditor stated I could make them a settlement offer or make monthly installments. Should I have a lawyer negotiate this for me or start at accepting 40% of the debt. The car was only sold for $600 at a private sale. I was served with the suit on this past Sunday with 30 days to respond. Need help!
Hire an attorney, let him negotiate the debt, pay settlement lump sum.
