A person owed money to a creditor who sued and obtained a default judgment. The person is now being required to submit proof of assets and income for the judgment, which is almost three times the amount of the original debt. The person responded by trying to negotiate a settlement. The creditor's lawyer asked for an offer. The person offered the original amount owed. The creditor's lawyer said "no".
Does the debtor have any ability to get a settlement on the terms he prefers, rather than those demanded by the creditor? Can the creditor simply say "no" to negotiations?

