Springleaf title loan lawsuit
I haven't paid on my title loan in about 5 months due to financial difficulties. My total due is $5300 and I don't need the car nor have they repossessed. I have received a summons and am not sure of the best course of action to take. I am not able to file a chapter 7 as I filed one back in 2010. Not sure if I should file a chapter 13 (afraid that it may get denied if I don't have enough disposable income) or if they will make a payment arrangement with me. I can't afford to have me wages garnished as I would not be able to pay my bills if my income decreased. I read something about being able to file something to stop a wage garnishment but that it is rare and hard to do. Any help would be appreciated. Feel stuck and don't want to make a wrong move.