Client, who is disabled, seeks assistance with a debt collection matter. Client is being sued by Bank of America for $12,645.39, and was served with the complaint on August 10, 2019. The underlying debt is from a credit card that client opened ten years ago. He could not keep up with payments after he had to stop working due to an injury. Client is reluctant to enter into a payment plan because he is a senior on a fixed income. A volunteer is needed to assist client with responding to the complaint and represent client at his arbitration hearing on April 23, 2020 at 2:00 pm. Client has a companion case for a debt collection matter, which is 19-0043943. Taking both matters is preferred but not required.