I would surely go--especially if they are asking the judge to enter a judgment against you. Your failure to appear gives you no chance to negotiate or work out a settlement--the judge will simply rule in their favor for the full amount, plus court costs. This would be a good time to ask the judge to instruct them to cooperate with your debt repayment company---perhaps some encouragement from the judge would make them see that SOME Money is better than NO money. Perhaps they are under the impression that you have assets that are hidden they can put a lien on? I cannot think of any other reason they wouldn't be willing to work with you.


Even if the judge enters a judgment against you, you cannot get blood from a turnip. I won a judgment against tenants some ten years ago and have never seen a penny----they should repay me, but for me to actually collect would cost me more than they owe. Don't be intimidated into signing anything--and you don't owe them anything--aside from money. Period. Explanations, justifications, excuses. None of those.