I got a letter stating that I am being sued from a debt of 4000, now $5000 with collection fees. It state that I must take actiona nd present this to my lawyer. It states theat if I fail to take action the case may priceed with action and a judgement made against me. I owe the money and willing to make payments. I don't have the 5k. My lawyer , so i;ve learned is a schmuck. If I let it go, will I be able to make payments to the court? IN PA