<prompt> Human: Background: In 2003, I borrowed about 15k via credit card, and never paid it off. Due to high interest rates, it grew to about 40k, and they took me to court in California and got a judgement against me. I am currently unemployed, and havent been for a few years due to health reasons. The debt has since grown to 80k. Due to the court judgement which they recently renewed, the debt doesnt seem to automatically expire via statute of limitations. I have income of 35kyear from a pension plan. The debt collector has not made any attempts to contact me -- however in 2015 they did renew the debt in court extending it for another 10 years, in California. I would like to get this resolved, but definitely dont want to and am not able to pay the full 80k that theyd ask. I have not reached out to them yet, because Im concerned I may say the wrong things.What would you guys recommend? How low do you think theyll settle for, and would me reaching out to them give them a hint that Im actually willing to pay it off? Is there any way to actually dispute the validity of the debt?  <response>: The time to settle would likely have been prior to a court decision. 