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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
If they have not files suit here they may agree to payments.If they have filed they are likely to want higher payments on a judgment.If you have other debts Chapter 7 is a viable option here to seek to discharge all of them and start over.You can contact them and try to resolve it and avoid a judgment if you can.Again Chapter 7 is the long term solution to discharge your debts and to allow you to start over.
If they sue you here an answer form here so you can dispute it and buy some time.
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Here is Chapter 7 information for you