<prompt> Human: At this point, can Ishould I contact the lawyers office, or plaintiff debt company to work our payments and avoid having bank accounts seized and emptied out?Id rather have this be a budgeted item then start living with frozen accounts and garnished wages.  <response>: Did you ever receive personal service in person notification of the lawsuit? If not, you might be able to file a motion to vacate the judgment based on lack of service. This doesnt invalidate the debt, but might buy you some time while you negotiate. 