Client seeks assistance with a collections hearing in Municipal Court scheduled for April 4, 2023, at 10:00 am. LVNV Funding LLC is suing Client on a credit card balance of $773.90. Client opened the credit card in 2019; she does not remember the type of credit card. Client lost her job at the beginning of the pandemic and also fell ill with COVID multiple times. As a result, she fell behind on the credit card payments. Client charged essential expenses to the card to take care of her three children. Client is not judgment proof as she has a job with steady income. Client’s goal is to negotiate the debt down to a more manageable amount and negotiate an affordable payment plan. A volunteer is needed to represent client at the hearing.