I am willing to settle for 50% but the plantiff's attorney's want a run down of my financial situation (for "debt to income ratio") which I am unwilling to provide them with. I want more time to work on a settlement with them and was advised by court staff that I could send a letter to plantiff's attorney requesting a 10 day notice before a default judgement is pursued. I was told by an attorney in Oregon that unless I retain legal counsel, they do not have to abide by this. Is that true? Do I have diminished legal rights if I do not retain counsel?