Yesterday 5/13 I was served to answer for a vehicle and personal loan from 2009. The total of both are about 15k. I am a current student and I work but I only make $9/hr and I honestly can't afford to pay 15k or even settle with a lump sum. The law firm that's representing the creditor contacted me a couple of months ago by email and I responded asking about payment arrangements but I never got a response. I live in Washington DC and any legal advice would be greatly appreciated.