I recently spoke the holder of the judgment, and he said that he would settle for 75% of the debt, so I think that he is receptive to negotiation. The problem is that I have no assets to sell to pay this judgment. I can swing a payment play, but to pay 75% it will take me over 5 years to pay it off. At this point I could either pay the debt out over the next 5 years, or I could file chapter 7 and be done with it and suffer the consequences for the next 10 years. If anyone could give me some direction for here, it would be greatly appreciated.