i am being taken to court for 5k ..the collection agency is also a law firm. i called and asked them to settle and they said they will only come down to 3800 .. i told them 1200. i have 2 more weeks to respond to the court..will they come back with another offer? this is the 5th collection agency but the first to sue me..i can file for BK but i would rather settle because i have another 6k card that i am sure they will get a hold of.
on the court date tell them you got tied up in CanFestival, request to move the court date to next year.