After a judgement has already been rendered on credit card debt...?

...could I still negotiate the settlement either lump sump (half the amount owed) or installments (as a last resort)? Is it too late for that now?After a judgement has already been rendered on credit card debt...?
You can try to settle the case any time, but each case is different. Unless you file bankruptcy, you cannot force a creditor or his attorney to settle the judgment. Some creditors will settle debt before it goes to judgment in order to avoid the expense of attorney fees and other litigation costs. Others will get the judgment and try to collect before agreeing to settle. Others won't settle at all. It depends on how aggressive the creditor is and your ability to pay.





As you know this debt collector/attorney was aggressive, they already have the judgment and you now have no leverage with them.





Once a judgment is rendered against you, this means you were successfully sued in court. This will be reported onto your credit files for at least seven years, even if you pay the lawsuit. Some states will also renew judgments from successful lawsuits, meaning an unpaid lawsuit could remain indefinitely on your credit record unless you pay it, get it successfully reversed or file for bankruptcy.





The collection agency that sued you can also have your local court order a wage garnishment (if your state law allows), meaning a percentage of your paycheck will automatically go to them until the lawsuit is paid in full. They can also attach and levy your bank accounts, and place liens on personal property.After a judgement has already been rendered on credit card debt...?
Take a note from Dixie. The only way you would get out of paying this judgment is if you filed for bankruptcy.





Maybe if you could convice the collection agency that you are on the verge of filing for bankruptcy, then they might be willing to settle the debt.





A settlement would be better than nothing, right?
You can try, but there is no longer ANY incentive for the bank to do that. They already had the expense of obtaining the judgment and have the legal authority to seize your paychecks and tax returns. You screwed up, now pay the consequences.
Sorry too late, they already have a court order saying you have to pay the whole thing why would they settle for less? If you had a scratch off lottery ticket that said you won 5K and some guy in the street said they would give you $500 for it would you take that offer? Think not