If you are being sued for a bill you have been paying should you respond by offering a monthly payment?

If the person has been paying on the debt, but the creditor is still pursuing legal action, it would seem negotiating might be feudal. It never hurts to try, however, creditors do not like lawsuits, as they are time consuming, expensive, and often end up with the debt not being collectible. The reason being, the debtor has no property which is not exempt under the state laws. If the person is gainfully employed,the creditor is probably hoping to receive a judgment writ for wage garnishment or bank account levy.