<prompt> Human: I am technically still able to negotiate w the firm that his insurance company hired, this isnt in the court system yet; Im not being sued yet. The total is 14k, they are asking for a substantial down payment thousands and to put me on a payment plan of 250 a month OR pay a settlement lump sum of I believe 12k.? None of that seems feasible. I work part time and a payment like that would be half my monthly income or more. It has been suggested that I take out a loan, but then I would end up paying much more than the original amount, right.? And, I imagine that if I am making at least minimum payments of say 50-100 for several years eventually they will release my debt..I wish my first post to reddit would have been under better circumstances. Any help or advise would be greatly appreciated !Edit: not sure why it says housing, dont know how to change that  <response>: You need to work something out without it going to court or you could have bigger problems beyond the fact that they can garnish future wages. 