Actually, it's very easy to have debt reduced once a lawsuit is filed. Any time a debt goes into default, particularly if it's a period of months or years, creditors will often take a lower percentage on the dollar. It does vary based on the type of creditor. If you have a credit card or credit union, typically they don't reduce very much. If you have a debt that's fully insured or guaranteed by someone, they don't reduce as much but normally, it's fairly easy for us to get a reduction and waiver of interest, as well as principle once a case is filed. Particularly if there's consumer protection defenses.
If there's any wrongdoing or creditor harassment by the other side, that helps in the ammunition that we use in our debt settlement cases.