if you are being sued for a debt of less than $5,000 that you admit that you owe a credit card company, but you do not have enought money to pay the debt off in full, I suggest that you do the following:1. contact the credit card company and offer to pay a percentage of the amount owed as full payment of what is owed. If accepted, make sure you get a written agreement by the credit card company's representative agreeing to the deal. Once done, send the money under the agreement.2. if the credit card company will not discount the amount owed, see if it will accept monthly payments from you until the amount owed is paid in full. Try and get the agreement in writing where any accruing interest would be waived.