Dosen't matter what state you live in, you still owe the judgment.
However, the 25% is based on a guess of what you can afford. Make a
list of all your expenses. You will need receipts to show you
actually pay all those expenses. If you have to go to the Dr. every 3
months, then list that as 1/3 of the cost. When you get this together
you can go back to the court and show that 25% is an undo hardship
and get the amount reduced.
Or you can quit your job and go somewhere else to work and just not
talk to the law office again.
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