Served Papers For Debt...Options?

Meredith was served papers from the local sheriff for a debt of $7,200.

Question: Meredith was served papers for a debt.  What step should she take next?

Answer: You have three options:

1.    Settle on a payment plan with the attorney’s office where you pay everything back over a given time period.
2.    Make a lump sum offer of $3,000 - $4,000 in cash.  Make sure you get it in writing that they have agreed to take that as settlement in full.  The debt will be wiped out then. 
3.    Allow the lawsuit to go through and allow them to garnishee your wages.