What is better sending $3.00 or nothing at all?

[merime]

No, I was paying the minimums before I stopped paying last September. Sorry , for the misunderstanding. I had heard that paying "something" showed good character. I did not how ever believe it truly mattered. No, I am not paying anything now.

[flyinbroke]

Forget character. If you pay less than the minimum, you are just as in default as if you blew them off completely and sent zip.

[merime]

Yes, thanks to everyone here I finally understand. I get it now. Its kind of like a tree thats about to fall , but still has its roots. I guess its time to just let it fall.

[Bell30656]

Since they have already filed a lawsuit against you, sending them a payment especially by a check from your personal account would be about the worse thing you could ever do. That account number/bank information would be used to drain you account after they get the judgment.

Also making a payment could be used by the creditor to get a Summary Judgment against you. They could argue that it is an admission of the debt.

[merime]

Thank you!! I figured out the check book information thought as I was thinking of doing that. It was suggested that I send it western union, but that just seemed silly to me. It would cost more to mail than the check is worth. You are right I will not be sending the $3.00

[GoingDown]

Thank you, that is what I am doing. I am getting my name off deed to house. I make $360.00 every 2 weeks. No car. So , I do not forsee me as being very lucritive to them. I even sold most stuff I bought on ebay, just to pay off the minimums!!

[merime]

Yes, I know. I only work 22 hrs a week. I think I am pretty judgement proof. Thanks for the stats, I appreciate the facts. so in over my head!!