I was sued for not paying a medical bill. I have called them 2 times to try to set up some kind of payment plan. They refuse to set one up. They said I have to pay it in full. Even gone to the means of telling me I should take out a loan to pay it. What would happen if I just sent them 200 a month. If they were getting something "effort" mainly, could the try and garnish me? I know they have the legal right to do so but if I can't give them 3200 dollars and they won't work with me I am in limbo. So what should I do?