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  1. First of all thank you to everyone that has offered help to this point, much appreciated. I sent the attorney for the JDB my answer, which included affermative defenses for both SOL and lack of standing. Today I received a letter back wanting me to contact the attorney to begin the discovery, or to settle for $20k, lol. Here's my questions if I can please get a little guidance. 1. The response still does not have a case number, does that mean it hasn't been filed, if so do I even need to respond at this point? 2. They have given me a time period of 14 days to respond, is this their time period or the courts, am I required to do this. 3. They have requested that we talk via phone for the discovery, do I have to do this or can i request we communicate via mail only? I am a little scared about saying something that could be held against me, so is this possible? 4. Am I allowed to threaten bankruptcy? Really if I lose this I will be filing anyways but am I able to tell them that in an effort to encourage either a dismissal or better settlement? Thanks again for all your help!