In 2008 my boyfriend and I got our truck repoed after falling on hard times. They now have a a judgement to garnish his wages and are currently doing so. My question is would they be willing to settle after all of this? Or at least drop the amount that is taken? I'm young and new to all of this. So any information and help would be wonderful. Also, the amount we owe is $15,000, would would be an exceptable amount to offer. We don't have much to work with and are still down on our luck but working.