You can discuss with the plaintiff when you can pay it off or pay it back in installments. Mediation can also be conducted under the auspices of a judge. When an agreement is reached, it will be fulfilled according to the agreement. If no agreement can be reached, it will be executed after the court's judgment. When there is money, it will not be sentenced as long as it is not illegal. If you are not at ease, you'd better consult a local lawyer.
Negotiations can be held at any time. If negotiation fails, the plaintiff shall apply to the court for enforcement.