
Quoting
Mr. Knowitall
You are likely being served in that manner because the creditor was not able to serve you by conventional means, and thus obtained a court order to use substituted service.
If you wish to work out a resolution of the case, I suggest contacting plaintiff's counsel. The court can't do that for you. Note, get any agreement you reach reduced to writing. If it were me I would try to negotiate a lump sum payment, ideally at a discount from what is claimed, in return for a dismissal with prejudice; but they may not agree to that, you may not be able to swing the lump sum, or you may have other goals in mind.