the human beings asserting they gained't hardship to sue do no longer understand how basic sequence fits are--they're going to sue you over $1600. you have 2 alternatives--negotiate a settlement with them, or get sued. At this factor, getting sued isn't as undesirable as you are able to think of (nevertheless it fairly is fantastically undesirable) -- you probably do no longer choose a criminal expert your self, and there is not any longer plenty you're able to do approximately your criminal expert expenses. attempt to make an contract with them so which you do no longer harm your credit to any extent further than you have already got. in the event that they have already despatched you a summons, you have been sued. in the event that they have not yet, they might accomplish that on each occasion they choose--evidently like they did you the courtesy of letting you realize it is going to take place quickly. in case you forget approximately with regard to the extra wholesome, the court docket will come to a decision of their want and say which you owe the money, and subject a judgment. you are able to purely combat in court docket in case you do no longer owe the money--on condition that that may no longer you, you are able to desire to barter with the mastercard company to allow you to make a value you are able to take care of to pay for to ward off or brush aside the extra wholesome. in case you won't be able to attain an contract with them you are able to take care of to pay for, they're going to sue and get a judgment against you. (Even while they have the judgment, you are able to negotiate with them, yet they may be much less cooperative--they have executed 0.5 the sequence artwork.) while they have the judgment, they might get a garnishment against your economic corporation account or paycheck. you will opt to be careful to no longer bypass away all your money interior the economic corporation, with the aid of fact the quantity of the judgement could be frozen till you answer the garnishment, and that they're going to take their money returned from you. additionally, you are able to desire to respond to any garnishments you get carry of (and would choose a criminal expert for that) so as which you will make specific that your exemptions for residing costs are allowed. concerning PP, do no longer bypass the financial ruin path except you have so plenty extra debt than $2000 on that one card--your credit gets extra effective swifter in case you pay it off than conserving financial ruin. it fairly is a final hotel.