Thanks for your quick reply.
1) But I should still file a Notice of Appearance?
2) I not familiar with the process after that. Will a court date be set?
3) And what happens at that court date?
4) At what point does the plaintif add on the attorney fees and ask for them?
5) Is in not in my best interest to reach some sort of aggreement sooner than later to avoid mounting attorney fees? How high will htey mount, or rather at how many more steps of this process will the plaintiff attorney have to work on this case, and can I avoid any of those steps in order to save on those plaintiff attorney fees?
6) Assuming I had the money to pay it at once, would that spare me the attorney fees? Similarly, would a payment plan accomplish the same thing? But are you saying that they dont even have a reason to agree to a payment plan cuz they can just get a judgement and garnishment and that means the most work for the attorney for which he can charge the most attorney fees?

