Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Thank you for your question.
Unfortunately, a court will not look at your ability to pay. The court will only care about whether the debt is yours. Before a judgment is taken (or a verdict is reached), you can try to negotiate with your creditor to see if they will take less than the $6900. However, they are under no obligation to negotiate with you.
In the event you are unable to pay, after a judgment is taken, your wages may be garnished or they may attached your assets to the judgment (all in accordance with the laws of your state.)
Please let me know if you have any other questions, or require clarification. Otherwise, please hit "ACCEPT", so I may receive credit for my efforts.