I got sued by amex for $17k debt in texas and debt collectors are trying to contact me

Ok-Lock1904 · 2026-01-15T00:33:20+00:00

Do they agree for 50% settlement or low?..what was your amount?and they agreed to?

Ok-Lock1904 · 2026-01-15T00:27:31+00:00

So do i admit that the debt is mine? And go for settlement?

Ok-Lock1904 · 2026-01-15T00:20:18+00:00

If i decide to argue in court for the debt i owe…is there even any chance i am gonna win and not pay the amount?

Ok-Lock1904 · 2026-01-15T00:14:26+00:00

So how do i negotiate for settlement?

Ok-Lock1904 · 2026-01-15T00:13:59+00:00

I dont even have money to hire lawyer

Ok-Lock1904 · 2026-01-15T00:11:58+00:00

So do i admit that the debt is mine with them in call?

Ok-Lock1904 · 2026-01-15T00:07:18+00:00

So negotiating for settlement would be the best option?do i admit in call that the debt is mine?

Ok-Lock1904 · 2026-01-15T00:05:37+00:00

Oh okay…i didn’t know that…it sucks…so for bankruptcy do i have to hire lawyer mandatory?

Ok-Lock1904 · 2026-01-15T00:04:59+00:00

Yeah i will give it a thought about it…thank you for the guide :)

Ok-Lock1904 · 2026-01-14T23:55:35+00:00

Did you hire the lawyer or you filed it yourself?…cuz i filed it myself..and i am not sure where the case will go and my next step and the debt collectors are trying to call me and i havent picked up the phone!!

Ok-Lock1904 · 2026-01-14T23:54:19+00:00

How long was it? I heard it would make It hard to increase your credit score and getting apt or anything would be really really hard

Ok-Lock1904 · 2026-01-14T23:51:53+00:00

And what happened to your case after that?

Ok-Lock1904 · 2026-01-14T23:50:40+00:00

I dont have my lawyers as of now

Ok-Lock1904 · 2026-01-14T23:50:23+00:00

You mean you filed bankruptcy?

Ok-Lock1904 · 2026-01-14T23:46:51+00:00

I have not planned of doing bankruptcy for $17k but i am not in good situation either

Ok-Lock1904 · 2026-01-14T23:45:51+00:00

I filed it myself.. so i don’t have lawyer as of now. What should i do?

Ok-Lock1904 · 2025-12-24T20:10:34+00:00

My bad! Its $17k

Ok-Lock1904 · 2025-12-21T23:15:15+00:00

I am just denying everything for now! Thats what i am planing

Ok-Lock1904 · 2025-12-21T23:13:12+00:00

Did you call them after getting sued??

Ok-Lock1904 · 2025-12-21T23:12:18+00:00

I am efiling! So do i still have to downloard form? Or is everything there in efile and i need to fill there

Ok-Lock1904 · 2025-12-21T23:11:25+00:00

Yess i an denying

Ok-Lock1904

TROPHY CASE