Question from a New Member

I just joined this blog about 1 month ago and so far have learned a lot but I need an opinion/advice from you. I have about $30,000 in CC debt. I joined a debt management program about 18 months ago and was doing ok until they “lost” my payment and were very unhelpful during the situation.

So I switched to a Debt Settlement Program which was a HUGE mistake because as soon as I switched, Citibank sued me for the amount owed. I am now trying to get into another DMP. My court date with Citibank is 11/9/16 and is out of state. If they don’t accept the proposal from the DMP, I need to get the trial delayed because I can’t afford to miss 2 days of work.

I am a contract employee so no work = no pay. I am waiting for a reply from the DMP Citibank’s response to the proposal. My questions: Should I contact the court or Citibank’s lawyer to ask for a continuance?

I am unable to afford an attorney so I guess I would do this myself. Should I contact another DMP and see if they have better luck dealing with Citibank? Are there any programs out there that have experience in dealing with consumers who are involved in litigation? Thanks in advance for any and all advice!