courtsummons- help!

[indebtnodoubt]

What is the name of your state? Arizona

I need some advice... I took out a loan from my credit union for about $4500 and made payments until I had a loss of income and I couldnt afford to make payments. I thought that I would have 6 months to pay in order to keep my account there, but unlike credit cards, they sent my account out to an attorney after 3 months of non-payment. I called the lawyer once i knew that he was handling it and wanted to make payment arrangments but they said when they take me to court the payment arrangements can be made. I mailed payments to the lawyer for a couple months even though they assured me I would be served papers any day. After a two months of waiting for something from them and not sending payments, ( bec. I want to settle my acct since it is already a r9 on my bureau) I finally recieved a summons that was given to me by a process server bec. they were apparently unable to reach me any other way.
I have no problem paying but I have no idea what to do at this point. I am a young college student and I am afraid those lawyers will "eat me alive" in the courtroom. I also have a car I am making payments on and I am afraid they will take my car? will they do that even if im willing to pay? please help me!

 

[JETX]

also have a car I am making payments on and I am afraid they will take my car? will they do that even if im willing to pay?

If they get a judgment against you (and there is nothing in your post to indicate they won't), then they can use the legal processes available to them to enforce the judgment. Including seizing your non-exempt assets and wage garnishment.
In Arizona, you can exempt the following vehicle equity: "Motor vehicle up to $5,000 ($10,000 if disabled)."

 

[indebtnodoubt]

Q still unanswered!

Thanks for the reply. But ? is what do I do now? Get a lawyer and go to court? Should I call the lawyer who is litigatitng against me and try to see if he'll accept payment arrangments or is it too late? Do I need to type a reply to the summons(the one they sent is stamped/dated a couple months ago, but I just got it a few days ago?)?