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There are challenges to settling credit card debts that have reached the lawsuit and judgment stage.

Before I address the challenges, I want to point out that the best time to settle credit card debts is before a lawsuit is filed, and even before the account is placed with a debt collection attorney.

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Timing, balances, who your credit card debts are owed to, and your ability to come up with the money needed to settle the debts – all will affect the strategic design of which account to settle with first, second, third etc….

It is important to have a plan to follow if you want to systematically and successfully settle debts and save the most money in the process.

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