Client seeks representation at an arbitration hearing scheduled on August 27, 2021 at 9:15 am. Client is being sued by Bank of America for defaulting on her credit cards. She opened credit cards in 2002, and in 2006. She last made a payment on both cards in 2018. Client struggled to make payments on the debts after she lost her job, and started her own business. She was served the complaint in the first week of December 2020, but received an extension to respond; a response is now due on February 19, 2021. Client is now employed, and is willing to enter into a monthly payment plan for both debts. An attorney is needed to respond to the complaint, and represent client at her hearing.