I am hoping someone can answer my questions. I am being sued by a credit card company for $2300.00. I have the option, per their lawyers to settle for $1700.00, or $100 a month for 2 yrs. If I choose the monthly payment plan, I still need to go to court so they can obtain a judgement against me. My question is, do I have to decide before court? Or will the lawyers the day of court still offer me those options? Or is it then the judges decision? Also, when the judgement against me is rendered, must I pay the total amount up front?