I live in nebraska. I was furloed for six months about a year and ahalf ago. I am still trying to get bills caught up. i just recently received a summons from Midland Funding on my chase credit card. They offered me to settle for less money for awhile now but i didnt have extra money to try and negotiate at the time. No wthey are wanting the full amount of 8000. Would I still be able to call the attourney and try to settle something with them like asking to pay back less than 8000 or maybe pay $200 out of each check till paid off. Im afraid that they will garnish my wages alot and I will just get deeper in the hole. I wouldnt mind negotiating with them if that might be a possibilty. Or am I too late for that.