 The lawyer approached me in court to settle out, but the settlement was for the debt alone is $7,000 in a court fee. And so they pretty much told me I could settle out for $6,000 with interest that would incur if I was on a monthly payment. I was trying to do a lump sum, but I can't afford that. I'm in economic hardship, and I explained that to the lawyer. And they're playing hardball, and I'm trying to find out how can I go about settling for a lower amount.