I am being sued in court by a law firm.( the judgement was served by an attorneys's on behalf of a creditor). I have a chronic, debilitating conndition and have recently experienced hard times. I simply cannot afford to pay this debt. What are my alternatives. I had previously agreed to make monthly payments but just recently became aware that over half of what I have already paid went to interest only, I not making any headway with this debt and I do not have the resources to pay it completely. The settlement amount is more than the actual credit amount. Please help