Judgment in court question?

If I go to court for a debt, and there is no wage garnishment in my state, how does the court ure that the lender gets their money? Do they order a payment program that the person can afford? Will they perhaps reduce the total debt amount and/or settle for less? I have no ets. No home, I don't own a car out right and have YEARS left on my current car loan. Lastly, if I am current on all other bills and paying other small debts off, will that semi stabilize my credit even with this one bad mark?