I did this diary the other day http://www.dailykos.com/... asking for advice for my friend from those in our Kos Community and through that advice my friend was able to get the sitution worked out and will be making monthly payments to satisfy her debt and will not have to appear court. She sends her gratitude. She printed off all of the adivce and studied it and was aware of her options when she contacted the law firm. This is another short diary but I just wanted to say we have a lot to be proud of here. It just goes to show what a strong commmunity we really are and how helpful we can be when one of us or someone dear to us is in need. There were several lawyers that responded within minutes of me posting this diary. Thank you all so very much. It was a trying couple of days for her but she is just relieved to have it worked out. She had never had any dealings with court summons and it upset her terribly. They are sending papers for her to take to the court ahead of the court that will show she has set up proper payment arrangements. They gave her one year to pay the balance. Again, thank you all from me and my friend.