Hello,

Never been on here before but I need some advice. I live in Texas and I was recently served and I need to go to court by Monday to make a plea.

Back at the end of 2021 I stopped working at one job and eventually working another that wasn't paying as much. I tried my best to make the payments but eventually it got too much. I tried to reach out to Sallie Mae to make a new deal and at first it was looking good. However, before I could make my new adjusted payments I needed to pay a slightly larger initial payment.

I gave the Sallie Mae person (I no longer remember her name and I lost the paper I wrote all that info on) my banking info and the next day I saw that the money was "taken" so went about my day. Then I received a notice from Sallie Mae saying that the payment didn't go through. I wasn't aware of this but even though my bank account showed that the money was taken it wasn't "really/fully" out and that it actually takes a few more days for it to fully reflect so went I used that same account to pay for car repairs the car place got the money instead (Nissan was just quicker than Sallie Mae) when I called back I was essentially told that I couldn't be back on that same deal and that maybe at a later time I could.

I eventually moved back in with my parents and I've been trying to get another that could pay me enough where I could pay the people/organizations that I owe. I've tried for years but all I was able to get was a Teacher Assistant Job/Freelance Substitute Teacher job in Texas. None of these jobs have paid me enough and I have less than $300 in my savings account at this time. However, I was recently hired at a bank but I don't start until 6/16/25. I definitely don't have money for a lawyer. Any advice is welcomed and appreciated.

The total amount owed is $24,541.75