If you have not gone to curt yet

you can call they atty office and work out a payment plan with them. these people will not be like the typical collectors are, they will talk to you like they have some since. and if you can work out a doable payment plan with them before you go to court, that will stop the judgment agaimst you.

if you go to court, they WILL win and then you now have the judgement. of course, if you fall behind, then you will be oredered to court for the judgement.

call and explain what you have going on, worst case senario is they will so no, and nothing will change, you wil go to court and get the judgement.

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