@Clydesmom and @BackFromTheDebt thank you for the responses, I always love the dose of reality in these matters.
I called an attorney as I have one of those plans through my work. I sent him everything I've received so far and am supposed to talk to him Monday once he's had a chance to look it over. He says it can be settled.
I did not speak with him yet about my JDB matter. It's Portfolio, same attny. I have not received anything as way of Discovery from them yet. No attachments to the complaint, zero. If he filed suit with absolutely nothing, not even there normal junky exhibits, w