Have you ever been sued?

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I didn't finish my school that I quit paying. It was a private school for massage therapy and the school set up the financing, but it was no government or student loan type of deal. That being said, I was responsible to pay it all although I didn't complete the whole 500 hour course. I stopped paying it because I assumed they would just send me to collections and I would get to pay about 60-80% of the remainder of the bill rather than the full remaining balance. Turns out I was very wrong. I received a letter from a lawyer telling me they were going to take me to court. Of course, I contacted the lawyer and I am sure they'd rather just get the money than have to go to court. I tried negotiating a little but all I could manage to get was this arrangement: $677.30 within 30 days $338.65 within the next 30 days and the final $338.65 within the following 30 days I'd rather scurry for money this month than to go to court a few months down the road and have to pay hundreds more in court costs, attorney fees, etc. If I default on this agreement I will be taken to court regardless. I don't really know how I will come up with all that extra money, but I have a second job and am trying to earn and save money rather than spending anything at all in the meantime. I am scared but will be happy when this is all over in three months! Have you ever been sued, or come close?