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Back in 2008 a judgment was granted against me (unbeknownst to me) while I was paying the collection agency/attorney for this 2004 repo. They started garnishing my wages in November of last year, but I went to court and was awarded exemption. I made a payment arrangement of $50-$100 per month since that's all I can afford (judgment total is $5700, I've paid $2150 to date, original amount was $3500). However, since it's tax time, I kind of want to get this out of my life and I plan to try to buy a house in about 4 more years and I know this judgment may stop that. Would it be worth it to try to offer a settlement to them (about $3500) or just keep paying the monthly amount? Would it benefit me at all going either way?