I really want to know if this is worht hiring an attorney for.
1) It appears that this was a default judgment. There is no basis for appeal.
2) There may be grounds to vacate, ‘tho I am doubtful on the information posted. The only grounds available to you at this point would be non-service. You can go to court and look at the Proof of Service in file or you can hire an attorney to do it.
3) In your state, there are two timeframes to move to vacate: 6 months when default resulted from mistake, surprise, inadvertence or excusable neglect (I’m going to skip further details) AND,
if service did not result in actual notice, the earlier of (a) two years after entry of default or (b) 180 days after written notice of default. Nothing that you posted led me to think that you qualified under either and I attempted to explain why. However, you’re asking questions online and, if you want to go to court or hire someone to go to court to check, you can and should.
4) If you found that there was a basis to vacate, you not only have to file the motion; you must include a proposed Answer. Translation: successfully re-starting the litigation. If you do that but owed the debt in the first place, the cost equation looks something like this: debt + attorneys’ fees + filing fees + motion fee + accrued interest – credits/payments = what you’ll owe.
5) Assume that you’ve paid $5,000. Assume that the attorney charges you $5,000. Assume that the attorney successfully re-starts the litigation that you then lose because you always owed. Add interest and court costs, and the result is a “win” that leaves you owing more than you do now. My original response was shorter. We don’t know how much you’ve paid, but I hope this helps the decision-making.
I don't want the interest to keep accruing every month.I want the interest to come off and negotiate for a lower amount.
That’s up to you, them and whoever you pay to negotiate for you, if you don’t/can’t do it yourself. Here is a link to a post to help you, if you want to try yourself:
https://forum.freeadvice.com/showthread.php?t=300276
if I am making payments they cannot put another levy against my account correct?
I felt that I answered that before. You need exactly what each side can and cannot do and when and why wrapped up in a neat little written agreement. That can prevent interest accruing and/or further enforcement. Without it, they can do anything they want at any time and, in California, that’s a lot.