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I am currently unable to pay a lot of credit card debt (with several creditors) as my CFS has worsened, leaving me unable to work. I am concerned I may be summoned to court at some point because of this; however I am housebound and having to go to court would be extremely detrimental for my wellbeing. My CFS is probably at the upper edge of moderate and any form of stress or overexertion usually makes me worse.
I don't currently have official disability status yet and don't currently have any doctors or health insurance and am not sure if I have the time to jump through the appropriate hoops before things may get worse as I've already defaulted on my credit card payments for around 4 months now.
What would you recommend in this situation? If I have a letter summoning me to court can I provide a doctor's note so I don't need to appear? Would the state appoint a free attorney to appear in my place? Do they offer hearings online in such cases? Is there anything I can do in the meantime before the situation progresses to this?
I don't currently have official disability status yet and don't currently have any doctors or health insurance and am not sure if I have the time to jump through the appropriate hoops before things may get worse as I've already defaulted on my credit card payments for around 4 months now.
What would you recommend in this situation? If I have a letter summoning me to court can I provide a doctor's note so I don't need to appear? Would the state appoint a free attorney to appear in my place? Do they offer hearings online in such cases? Is there anything I can do in the meantime before the situation progresses to this?