That is unfortunate that someone told you that you couldn't get sued....
The problem against Mann Bracken is that they don't respect Federal Law (the FDCPA) and act like boorish "hall-monitor" children. It's obvious they can sue, they hand out summons like it was Halloween candy.
By the way, a consent Judgment is still a Judgment. My big question is how could you not afford to pay your bills on time but you can afford to pay on a judgment. Speaking of stress... Miss a payment and they swiftly garnish your wages (unless you are lucky enough to live in a state where they can't do that).