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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.
First here you need to file an answer to the lawsuit.That protects you from a default judgment for the full amount plus legal fees and costs.Submit a letter here to the lawyer setting out an offer to resolve the matter.That way you avoid the he said/you said kinds of thing from phone conversations.Making them an offer and filing an answer would be your next steps here to protect yourself and resolve this matter.
Answer forms when in doubt check deny on all the paragraphs if you dispute the facts.
And I am not sure how much is owed here but you could file Chapter 7 bankruptcy as a way to discharge the debt and this is a last resort if the debt is too high here.You can also mention that if he doesn't accept your offer that you will do so--he doesn't know if you are bluffing or not here.
I appreciate the chance to help you today.Thanks again.
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