I thought I'd give an update, in case anyone is lurking or watching this thread given a similar situation.
I'd left many messages with B of A's lawyers. I finally got a call back yesterday (coincidentally the same day I filed my Answer at the courthouse). We've worked out a payment plan (the full debt). I didn't ask for anything else - my goal was to repay it in a manageable way, without a judgement and without a wage garnishment.
I'm happy with the outcome.
One curious thing - I searched the NM courts database for the lawsuit filed (and I had a case # stamped on my summons), but never could find one. Any idea why that would be?
