I got a loan from Casshcall in July 2007.
I defaulted on payments after i got laid off from my work on August 2008.they have tried to collect despite knowing the fact that my wife and kids and i, we were homeless and i was looking for work.fast -forwarding to 2011. i got a call from this collection agency who (i guess must have bought the loan back from Cashcall)
they called me trying to get a payment . i told them that i do have a job but i could still not be able to afford to pay due to our living expense.
I finally received a letter from their collection lawyer asking for the payment or risk to be sued.they finally served me with a summons to appear in court.
what i bring in as an income after tax is just enough to pay for our rent,food,gas,car's insurance for a family of 6 ,mean , my wife (who doesn't work) and my 4 small children.
What kind of right do i have ? and if i show to court .what do plea or say to the judge ?
will i need to provide proof of all my expense such as rent receipts,bills receipts?
Thank you kindly for helping with these questions?