Thanks for the info adjusterjack. Now I have a few more questions for you.

I am considering a negotiation for a lesser discounted amount in a lump sum. Should I talk to the prosecuting law firm? Or call LVNV directly? Or call the court?

Also, wouldn't it make more sense if I paid the money to the original creditor who gave me the charge account in the first place? I'm just wondering if the law suit will be dropped if I payoff the original creditor?

Thanks for your time.