Negotiating with Zwicker

Last July, my wife received notice that Discover had turned her account over to Zwicker. We were notified that a court date had been scheduled. My wife called Zwicker and schedule a payment plan that was totally unrealistic and started making payments. Zwicker showed up for court and won a judgement. One year later, we are at a point that we can no longer afford the agreed upon arrangement. Since they have a judgement, I'm sure we are screwed. My wife has a good job, but I've been unemployed for months.

I would be thankful for any advice.