not a good idea

Just pay it. If you stay home and have nothing to do, you may fight for this. Otherwise, pay in full.

Lawyer fee could be more than $900 - even there is a lawyer willing to take case the case -?

If I were you, find a temp job and earn back the money!!! I guess you are not the only one in the car, average / person could be much lower.

I will feel very bad to stand on court to explain my poor language........

Puls you do not want a VERY BAD CREDIT also.