The sad part is all the lawyers are paid for with your money.    
It sucks to say this but realistically the smart thing to do is to rush over there and agree to whatever just to get some sort of money back on the spot.  Otherwise you are likely to get nothing or less then nothing since the fees you'll to your lawyers will be coming out of your pocket also.  You know the old joke.  When a bear is chasing two people you don't need to run faster then the bear just faster then the other guy.  Good luck to all.