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I certainly understand the situation and your concern. They likely want to try and get a large payment, since there is some incentive for them. However, you are doing the right thing and not agreeing to pay, if you know it is not something you can afford. As such, if they refuse to accept it, the next step is really to wait and see if they do sue you. If they do, you can and need to respond and can raise any defenses which you may have. During that time, you can also ask the Judge to send the matter to mediation, so you can sit down and try and settle this and offer a reasonable payment, that they will accept. The attorney can look over your finances and see what your income is and what is affordable and base the payment plan, on that.
Yes, you can refuse and advise them you want to send in the payment monthly, instead of via automatic withdraw.
Also, this is a civil matter, so there would be no reason it would be in the paper.
Certainly. We can continue here as needed.
Correct. If they will not agree to this at this point and sue you, it is not something that will be in the paper. A foreclosure needs to be published for sale and foreclosure purposes.
Yes, correct. Advise you will mail payment and make sure it is received by them no later then __________. See how they respond and if they will agree and if so, they will write up the settlement agreement. You are welcome. Please let me know if there is anything else, as I would be happy to respond. If not, please remember to rate my help at this time at the top of this page, prior to leaving, so I can receive the proper credit, for our time together. A 5 STAR rating is greatly appreciated Thank you.