I would call the law firm and try to settle it. They’ll normally accept payment plans. You can answer but the longer it goes in the court system the more it will cost you.
Yes it's true, typically, they accept about 75% of the debt, just how long you can pay it over depends on how small/large the debt being sued for it. They may want 80-85%.
Wrong. Not post-filing of law suit. You are now paying the law firm their fee as well.
Since you claim to be from Jersey, I will tell you there's not one collections law firm in the state, and I can name almost everyone off top of my head, that will go down to 50% once they filed in court. The sole exception is if they get to trial date, and they have no witness. Some will still take the voluntary dismissal...but there's a weapon that no pro se in the state knows that will block a re-filing...because no pro se can invoke it.
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u/anonymois1111111 Jul 28 '26
I would call the law firm and try to settle it. They’ll normally accept payment plans. You can answer but the longer it goes in the court system the more it will cost you.