Finally, because stress only made my illness worse, I avoided them.

Periodically, I received a call or returned a call, but their contact was always rude and non-compromising. Afterward I just decided to wait and see if they would ever contact me with reasonable terms for repayment. It never happened.

Now, they have a lawsuit against me. Even with the lawsuit, I have no idea what they expect me to pay without a payment plan that fits my budget.