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When I was moving from North Carolina 4 years ago, an old credit card sued me. This all happened during the stressful move. So a default judgement was entered against me because I was unable to attend the NC hearing. Now they want to move it to Tennessee. We have called the lawyers on their side. For a $2000 debt, they want $9000. We tried to negotiate an offer, but they would not budge below $6000. Now they are continuing with the court date. I do not know what to do. I can't pay them $500 for 12 months like they want me to. I looked into bankruptcy, but my husband makes too much and I would have to do chapter 13. What is going to happen when I show up at the hearing? I'm very nervous and scared about it. I don't konw what to do.