Can I be issued a judgement at a pretrial conference? Or do they wait for a trial date? A certain credit card company is suing me for the amount I owe them - $3,000. I have tried calling them to settle out of court but we cannot reach an agreement, because my low income limits me as to how much I can pay them. They want $3000 in full or in 2-3 payments, and I can only afford $50 a month.