I am now unemployed and have been for a year. I have no savings, own a mobile home my daughter lives in, a car worth approx. $1000.00, live with my fiance in his home, he pays all bills. I would like to pay this off - BUT CAN'T!! What options do I have?? Do I contact the attorney (phone or write?) and ask for a reduction?? Do I fall within the statute of limitations?? Am I considered judgement proof??Is there a form needed to respond to the courts?? - I have 30 days to respond(actually 28)!! Please OH Please help!!!!!!!!