Hello, I was served a summons about one week ago. Citibank is suing me for 26K. I have 30 days to respond. I would like to get on a repayment plan and have a QDRO that I could use as collateral. I am wondering - do I need an attorney? Or do I use a debt settlement company to negotiate directly with the law firm who is representing Citibank in this lawsuit? There are so many services out there; I'm intimidated, overwhelmed and unsure of what steps to take. I read such negative things about debt consolidation companies; how do I just get in touch with Citibank, propose a settlement and payment plan and settle this issue as quickly as possible?