Hi, there has been no judgment or any lawsuit yet. There was a letter by the JDB saying I could pay a lower amount than the full amount or pay a bit more but in installments, but all those options were too much for me to pay, so I was thinking about contacting them, either by phone or letter for an even lower monthly amount. But if I called to ask for lower payments, I wondered what kinds of questions I would need to answer when trying to explain my situation. If I request to pay a lower monthly payment, but then said something like, "I don't want to talk about my financial situation with you,