I dont see how the plan could possibly include interest. If the judgment is for $50,000 and that is about all you would be laying in your plan, where is the interest?

But I’m missing something.

If your debt is $50,000, then why would you have a problem with paying that to settle things? If you have a signed contract showing you will have paid the debt in full by 2060 at the $100 per month, then it appears they have somehow forgotten added interest. So it seems you can either pay the debt now or over the next 21 years.

And while it’s great you have turned your life around after being in prison, that doesn’t affect the amount you owe.