A law firm called me one year after my last payment. I owe $3500 on my credit card. I agreed to make payments of 1800 by the end of the month and 1700 at the end of next month. Can I go to the credit card agency and try to settle for 65% or is it way beyond that? I would like to delay the time i must pay everything since it will be a big hit if I do. I do not want to hire an attorney. They did a preliminary deal with me, but they said they are willing to file suit immediately from Nevada (I am in Wisconsin)

