I know it looks as if I'm in a bad way and that I'm close to desolate, but despite my situation this is the only money issue I have. The debt (judgement) is for $9000 and i intend on paying it but cannot do so for another year.
Its a bad business deal betwrrn myself and the other fellow and he's been belligerent from day one. I know I've got slim to none recourse at this point and $9000 isnt a reason for bancruptcy at this point. I'm just trying to keep the 'wolf at bay' as i regroup.
Hang in there! It is possible to recover from this without filing bankruptcy, if that is what you really desire.
On the other hand, remember that bankruptcy is always an option to give you a fresh start.