Debt collector has issued civil judgment?

This is exactly why you NEVER enter into some agreement to pay them monthly. If you don't have a lump sum to offer them, don't bother paying at all. Take your chances with a lawsuit and have the judge decide how much you need to pay per month. Even though you were making a payment, they can still exercise their option to sue you and seek a wage garnishment. If they are suing you or have sued you, I would stop paying the token $200 a month. What's the point?