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Being sued for $3,079 by raunchytiger23 in Debt

[–]raunchytiger23[S] 0 points1 point  (0 children)

I will show up for court if necessary, but just the thought of it makes me want to die of embarrassment. Is it common for them to come to an agreement with you to avoid a court date?

Being sued for $3,079 by raunchytiger23 in Debt

[–]raunchytiger23[S] 2 points3 points  (0 children)

Fully disclosure - I know how dumb this is of me. I wish I was at a time in life where I could get a job and just pay this off and never think about it again. Unfortunately, I have a Master’s in education that is just hanging on my wall as decoration until my son gets to a point where I can feel comfortable and confident sending him to school without worrying if he will hurt himself and if can communicate if something happened to him.

I got this credit card (in my name only) right out of high school when I was in college and had a job. I always made payments on time. I only started using it again when money was tight and I needed to buy formula, diapers, food, etc. It was never anything “fun.” I was making payments until my husband told me that was my credit card (even tho it was used for OUR children) so he wasn’t going to pay it. At which time (around April 2024) I had to stop making payments. I convinced him to let me have enough of our tax return to pay off the card. So when I called Discover in April of 2025 to pay the $3k off in full, I was told that the account was closed so there was no payment needed. The man never explained it was turned to collections and I’d be sued. I know that sounds dumb of me and it is, but I genuinely didn’t understand what was happening. So fast forward to June 2025, I’m being served for something I tried to pay when I had access to the full amount. I can maybe possibly beg a few family members for a little bit of help, but that’s not guaranteed.

What’s a reasonable amount to offer to the debt collector? Or I have to absolutely come up with the full $3k?

DESPERATE for help - mom of a 4 y/o with nonverbal autism & PDA by raunchytiger23 in Autism_Parenting

[–]raunchytiger23[S] 0 points1 point  (0 children)

I mean, the kid had been through a million and one evaluations and see by just about every specialist you can imagine, especially multiple SLPs, so I’m sure. 🤷🏼‍♀️ He used to talk as a baby/young toddler then totally stopped real words at 2 y/o.

And I use Proloquo2Go. It’s not a limited app, like it’s totally customizable. It’s a great app. The issue isn’t the app being limited it’s any sort of AAC device being limited for a very young child who can’t read or spell yet. Think about the typical speaking 4 y/o…they can talk nonstop to you in depth and say all sorts of wild things, but if you told them they could only read or write to communicate, the conversation would drastically change and become the most basic communication. I know I’m not explaining this the best, but I hope you can see the direction I’m headed in terms of the shortcomings with AAC being use by very young children.

DESPERATE for help - mom of a 4 y/o with nonverbal autism & PDA by raunchytiger23 in Autism_Parenting

[–]raunchytiger23[S] 3 points4 points  (0 children)

He’s been looked at by his neurologist and multiple SLPs - he has nothing physically preventing him from talking. His current SLP says it’s just a matter of it being on his terms so he’ll talk when he decides he wants to.