Can I based upon my email records revise this stipulation as broken because they never filed for judgment when I first missed and worked with me, and also on the exorbitant interest?
A: Extrinsic evidence, such as email can be used to supplement or explain a contract
(including a settlement agreement), but may not be used to contradict the terms and conditions of that agreement. I can't tell from your facts whether or not the email clarifies the parties' respective understanding of the settlement, or creates new/additional terms. If the former, then the evidence could be used to show you are not in breach, or that the creditor waived its right to reopen the case and sue for judgment. But, that's what you would have to prove in order to stop the court from entering judgment, whether for the lesser or greater amount.
I don't know your financial circumstances, but the alternative to fighting over a debt is frequently a bankruptcy
petition. If you are in a position to file bankruptcy, then sometimes the threat of doing so can stop the creditor in its tracks, because the creditor's lawyer knows that if you file Chapter 7, then the creditor (and the attorney) will get nothing!
Hope this helps.
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