Spanish-speaking client seeks representation for a collections hearing scheduled for 9 am on December 29, 2026 in Municipal Court. Client is being sued by debt-buyer Midland Credit Management for a total of $2,658.22. This debt comes from a Citibank credit card. Client fell behind on payments as the result after a sudden change of employment led to unexpected loss of income. Client could not cover all of his family’s bills and had to resort to putting them on a credit card. Client seeks assistance in, first, disputing the debt that is being pursued by Midland Credit Management. If client does legitimately owe that sum of money, he would then like to enter into a payment plan that would not place him in danger of falling behind on his payments. A volunteer is needed to represent the client in this matter. VIP is also assisting client in a separate debt collection matter against the same creditor (26-0129108). A volunteer is encouraged, but not required, assist with both matters. An interpreter is available upon request.