Need some advice regarding loans

Hello everyone I am new to the group and have read many of the previous posts but could not find someone who has my particular problem. About a year ago I stopped making payments on my credit card.

This was stupid I know- but I did not have a job for several months. Now my parents just called me saying that I got some notice in the mail that I am being sued. Why didn’t the send it to me- is that legal? They haven’t sent it to me yet, but I have no idea what to do. I have no idea who the collections agency with my account is- how do I find this out?

I have a job now and actually have the entire amount of money that I owed – $5000.00 and can pay that. It is probably much more now with fees and everything though. Should I consider fast cash advance loans (aka payday loans)? I heard they were easy to get and could be a real help in some cases? What do you think?

Is there a way for me to still contact the creditor and try to make a deal with them even though I am being sued? I really don’t want to have to find an attorney and go to court, but I will if I have to. What happens in court? Will they make an order to garnish my wages, or can I make some sort of agreement on the spot to pay this off?

How do I even find an attorney that won’t be too expensive? If I pay off the $5000 I will be completely broke! I have 3 weeks til my court date and I’m freaking out! Thanks for any help!