NO! If they get a default judgment against you then they will file it and seek to garnish your wages and seize any bank accounts or property you have or may get in the future, since a judgment is good for 20 years and can be renewed for another 20. You should answer the summons and then continue to negotiate with them and see if they will take payments and if they will, get it in writing from them as to how much and the dates of the payments.

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