Here is information that will help you to decide whether to take on a bottom-feeder in court. I did, and the case was called: Equable Ascent Financial, LLC vs. Theresa Mitchell Multnomah County Court Case no. 100404905 The outcome of this case was plaintiff-requested dismissal, or in other words, they gave up!
Like a lot of lapsed debtors, I feared I might not qualify under the new bankruptcy laws, and I knew I didn't have money up front for a bankruptcy lawyer.
new bankruptcy laws http://www.nolo.com/legal-encyclopedia/article-30040.html