I was served on 10/17/09, so I still have a little time to respond. I can make small payments ($150-$200/mo) which wasn't enough for creditor to keep from suing. When business improves (I'm a Realtor) I could pay more. This represents about 1/3 of my total consumer debt. Would like to talk to someone who can help with this immediate problem, and help with protecting my assets (about $7000 in bank accounts) from possible future judgements and garnishments. Have one judgement in excess of $100K against me from a HELOC.