How can we get a collectins attorney to keep our repayment arrangement?

Question Details: My wife and I have been paying faithfully to an attorney on a credit card debt at a beginning rate of $250 per month for a year then up to $550 per month. We barely afford that and now we are suppose to pay $675 per month for the remaining 14.5 months to pay it off. We can't afford that especially since we had a baby. There is only 4 months difference in the 2 payments. Is there a way to keep our current payment through the end even though the attorney does not want to do it that way? What is the process if anything? If we default, they get a judgement and can garnish wages which will cause us to lose our house and possibly our vehicles.

Tricia Dwyer / Tricia Dwyer Esq & Associates PLLC Answered 6 years ago | Contributor
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you go to AttorneyPages.com and retain an attorney to represent you.