I got a claim from one of a collection agency.. have 10 days to repsond.. what should I do. They say I will get a judgement against me. also the original negative was reported and now that company tha tis suing me reported as well. so I have 2 differnet amounts because the claim amount includes fees. what can I do ? I dont have the money to pay. orgiinal amount due to credit card 4600 all comes
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