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Is buying less than what you really want the solution?

Do you have a “dream vehicle” you think you can’t afford? The Driving Sense™ vehicle financing program will put you behind the wheel of that new or used car, van or light truck you want with a monthly payment you can afford.

While any legal action taken against you is a serious matter, there are steps you can take after receiving a summons to appear in court that could lessen the blow. If you've been sued, contact the creditor immediately to see if there is anything that can be done to stop the lawsuit from moving forward, says Cristy Cash, director of counseling at Consumer Credit Counseling Service (CCCS) of Central Oklahoma.

That strategy worked for Kenny Golde, a filmmaker who was producing a movie when his business partner died suddenly in 2007, leaving him in debt.

All current year and previous model cars, vans and light trucks (up to five years used) qualify.

Discover the advantages of Driving Sense™ for yourself!

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You can find a lawyer who specializes in debt collection law through the National Association of Consumer Advocates or your local bar association, says Colin Mabrito, a partner with the Houston-based consumer law firm Joseph & Mabrito.

If money is an issue, you may qualify for free or low-cost legal aid through such programs as lawhelp.org, a volunteer network of attorneys. Just because you're sued by your credit card company doesn't mean you should expect an automatic loss.

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