Location: California
So, long story short, I was sued in 2024 for failing to pay my credit card. I owe around $6,900. The credit card was closed in 2023. At that time, I was dealing with a lot of mental health issues and I couldn’t find a job. I lost all my money. I still cannot find a job. Actually, the last time I had a job was in 2022. I have autism, so finding and maintaining a job is borderline impossible for me.
I have no income, no assets, no property. I live with my parents and they thankfully financially support me, but I’d be homeless without them. I don’t have a proper bank account, only an account through BankMobile where my college deposits financial aid. However, since it is a community college, I don’t receive much. I didn’t get anything last year apart from a tuition waiver. Right now, the account has $10.
I have to go to court in a few days, and I’m panicking. I have terrible, terrible, terrible social anxiety, and I fear I may cry or throw up if I go to court. I know I will lose the case, and I will get a judgment. So, is it worth it going to court even though I have nothing to offer in my defense?
Comments
>I know I will lose the case, and I will get a judgment.
You will. A creditor who can prove up his case is entitled as a matter of law to judgment. this creditor will take judgment.
>So, is it worth it going to court even though I have nothing to offer in my defense?
Yes. At least to be sure that your creditor takes judgment for a “right amount” that matches their documentation.
Remember your creditor is playing the long game in suing you when you don’t have assets. They’re going to garnish your wages years from now when you’re done with school and have a job. So don’t end up paying them more than you should.
It would be reasonable to tell the creditor and the court your situation and see if they are willing to make a payment plan or something. Though perhaps you don’t have even a very marginal amount to offer for the payments? And in that case you really are just makign sure the judgment is right.