Zigner
Senior Member, Non-Attorney
Why wouldn't they want it all at once? You've already proved unable to stick to payment arrangements. As for being afraid to pay it back now...what do you think is going to happen with a judgment on your record.(I'd like to fight it because I'm afraid they'll want it all at once and we don't have it. Our income is tight. Or if I could find a resonable way to pay it back. I'm also afraid if I pay it back now that it will lower my credit score.)
You have given no information to suggest that you might be able to successfully contest this in court. In any case, you MUST follow the procedures of the court in order to have any chance at all.