Zwicker and Associates Collection Suit

[ultralyons]

Hello. I am being sued by Z&W and have to go to a mediation meeting 1/05/07. They have verbally offered a settlement, but I have questions...

I have to plead guilty to get a settlement? I can not settle out of court?
Can I have the case dismissed on the condition that I complete settlement?
How do I file to have discovery of documents relating to the debt.
They say post judgement they get a 6% interest for 3 months (settlement length)


I can't afford money for a lawyer ($5000 retainer!)

any advice.

 

[lwpat]

Do you owe the money? If so agree to the settlement and work something out. Have you been actually served and a judgment entered? A settlement means out of court.

You can request validation of the debt but this is usually prior to the court stage. There are lots of sample letters on the net. Once it goes to court they have to produce the information in court to show that you actually owe the money.