Addressing a lawsuit re credit card debt (2nd/3rd debt buyer). No employment income at the moment and would qualify for a BK Ch7. However, trying best efforts to produce a little amount and would like to get a feed from negotiation experts on the lowest % acceptable out there. One credit card company accepted a 10% to principal settlement in the past. However, I am now dealing with a debt buyer who won't accept 10%. Would appreciate some guidance moving forward. Thank you.