I wish I had corn to Reddit in June of 2023 before signing on with BF but I didn’t. So here we are. My last creditor still “in negotiations” is Bank of America and i just received a hand delivered summons today. My enrolled debt for them with BF is $28k and They are suing me for $31k+. I’m waiting for the legal team contracted under BF to write up the response to the summons and the finance team to continue towards a settlement but I am panicking. I read that 90% of the suits BoA peruses goes to default judgement bc the defendant doesn’t answer. Any advice or similar experiences would be appreciated because I obviously cannot afford $31k….