Should i make this payment?

I'd be less concerned with the impact of settlement on your credit score, and more concerned whether keeping current with your auto loans, camper loans etc will affect your ability (or Superior) to settle with your unsecured creditors. Have you asked Superior about that? Curious what they said.

That's what I'm concerned about.

I just had a Wells Fargo account go to a local law firm. I have been in the program since January and do not have enough to settle this account yet. What are the odds that Wells Fargo will NOT take me to court as their letter states they will? If Superior calls them tomorrow to see what they are looking for for settlement, does anyone have experience with creditors working with you even if you cannot pay a lump sum right now? Freaked out right now.

Some times they will take a settlement in several payments.

I signed up for Superior in late-2006 with 45K in cc debt. I kept paying my student loans and kept one low credit limit (no balance) credit card for emergencies. The first year was a constant stream of letters and phone calls from the 3 other credit card companies. I changed phone numbers and forwarded all mail from the ccc's to Superior. Most of the letters and phone calls stopped after the first account was settled - they probably figured out what was happening. If you pay the delinquent accounts at any time, it resets the account time, which may be okay in the short term, but won't be so good in the long term (credit scores, actually getting rid of the debt). Anyway, after a little less than 3 years all of my accounts were settled for between 25-40% of the account balance.