text:  Jennifer, are you there? I'm here. Can you hear me? Yeah, I just coughed a little bit. Can you tell that? Yes, I can hear you. Yes. Okay. I ran up some credit card debt, couldn't pay it, and I was told by a financial advisor just let it go and it would go to collections. Well, one credit card company, because the amount was $3,000, decided to sue me, sent me a summons.