Client, who is being sued by Spring Oak Capital LLC, seeks representation in a hearing in Municipal Court on October 7, 2026 at 9 am. The complaint alleges that client owes $2,591.21 in an account initially linked to an Amtrak credit card. Client stopped making payments approximately 18 months ago due to mounting credit card debts that were accumulated after letting family members use her accounts for some purchases. This, compounded with a medical emergency, led to client falling behind on payments. Client is on a fixed income and would like to pay as little per month as possible.