Quick question: Why doesn't the government give me a sweet 0.25% Lending Tree mortgage loan like they give banks? Many thanks for any answer or 2. 2nd question I got is.. Will try to keep this short. I live in NY state and had a summons served at my home last Monday. I've been instructed to answer within 20 days or a judgment will be filed. This is for a CC debt.



Unfortunately, before I learned I was eleigible for LA, I called the City Court Clerk and was told to call the attorney for the plaintiff to find out how to answer. Of course it turned out to be a stressful conversation of do you want to pay or do you want to go to court. I was scared so I said IF it was my debt I wanted to work something out. (And if it is, I really do.) Here's the problem though. The only income we currently have is my husbands social security check and his very small IRA pension. We just barely have enough to pay our necessary bills and groceries.

I assume if they got a judgment they would go after the house or the car..

I have actively been seeking employment but so far no luck. What I need is TIME and if the debt is mine I will try to pay it as best I can. My husband is terminally ill - on oxygen 24 hours a day - and the stress of all of this is pushing me over the edge. I don't care about my credit rating. I just want to pay whoever I owe money to and NEVER get involved with creditors again..

How can I buy some time?.

Sorry if this is disjointed. I haven't really slept more than 3 or 4 hours a night since last Monday...