I now financially able to make payments. I need to know is there any way to negotiate lowering that judgement amount. The reason is that is accumulating interest all the time and it seems that I will never pay it off without coming up with a lump sum. It never hurts to ask. Propose a payment schedule and see if they will agree.
Many companies are glad to get a chunk of their money rather than none at all.
However, I only have 12 shares of each stock. You may get more money to invest in the future, and both stocks are um, a bit more affordable right now. Microsoft, at the moment, seems like the better deal. But owning both isn't such a bad thing. An index fund would allow you to invest regularly via a bank draft.