There is not a court date in my papers. I just have to decide to respond or not respond. which would be better for me. I am not contesting that I owe the money, I just want this over with and not have to pay a bunch of additional fees.
It's never too late to settle. You can contact them and stipulate to a judgment to avoid additional fees.
Depending on the amount involved, you may want to consider filing bankruptcy as well.
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