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.

