Hi All, I have been negotiating for a lengthy period of time with a creditor whom I am in debt to, I have made numerous attempts to settle the debt and enter into payment arrangements. The creditor really has a bee in his bonnet and is hell bent on bankrupting me. I have an upcoming court date in which I have already adjourned. And it's with the bankruptcy court. What are my options in the court hearing? Bankruptcy isn't an option for me.