The only defense I would have is that I owed providian not portfolio recovery assoc. or that I am unemployeed (which no money isnt really a defense) since nov 07 and have nothing but, unemployment, husband just got job after 5 years($12hr barely enough to pay bills) 2000 nissan worth $5550. I have another judgement already against me from 8 months ago (which they put off disposition since I am judgement proof at this time. I was hoping to play catch up but, just keep getting deeper and deeper. I am deep in a hole and I GUESS THE ONLY WAY FOR ME WOULD BE BANKRUPTCY.