 98% of the people in your situation end up filing bankruptcy or just disappearing, and they can't find them. They collect almost none of these judgments, and they know that. They were so shocked that an actual human being showed up. They didn't know what to do. It never happens. So all that to say is this. You owe $7,000. You could probably settle that for $2,000, and I want you to scrape together $2,000 really, really fast. What do you make?