Hi and thank you for your question. In the future, you can request me to answer any further questions.
An adversary hearing is an objection filed by a creditor to determine dischargeability of a debt.
Mediation is not available. It's only a matter of if it is, or is not, non-dischargeable.
You can either defend yourself, or hire an attorney to help defend you (recommended).
If you do nothing, the debt will be declared non-dischargeable.
If you file your appearance, then the creditor must prove that the debt is non-dischargeable, using evidence, and citing to the code
and available caselaw pertaining to the precise issue.
You have the chance to dispute the claims, and need to show that the creditor did not meet the elements needed to show that the debt is non-dischargeable.
If you lose the adversary, the creditor would then be able to collect on the debt, the same as if you hadn't filed bankruptcy. they would have to sue to garnish wages
, freeze bank accounts, attach liens etc.
You can then negotiate repayment plan
at that time. You can talk to the creditor now as well to see if they would entertain any settlements. If you save them time and money by agreeing to the non-dischargeability, they may offer you a discount since they will save cost and attorneys fees too.
Best of luck to you.