Pending lawsuit with OC. What is discovery like for an OC lawsuit? I understand discovery for this is different from a JDB. What should I be doing different in this case? The things that I'm reading suggest settlement as a better option. Not opposed to settling, but I have nothing in terms of a lump sum payment. How will that play out if this gets to a judge? I simply cannot pay. I can pay over time, like $100 a month. Is that even a position to negotiate?