Unfortunately, the time to have a lawyer help you was when you were sued. Now you have a judgement and the interest rate is statutory. The credit card company is never going to negotiate this in all probability. Bankruptcy may be your only answer. FOR ALL OF YOU WHO READ THIS NOTE, SEE A CONSUMER LAWYER IF YOU ARE SUED IN A CREDIT CARD CASE OR ANY COLLECTIONS CASE. WE DO WIN THESE CASES AND MANY TIME GET OUR FEE FROM THE COLLECTOR. IT IS TOO LATE IF A JUDGEMENT IS ENTERED AGAINST YOU FOR THE MOST PART. Want to know the law? Sign up for our free newsletter on varies areas of the law by sending an email to [email protected] and requesting the newsletter, or go to www.ConsumerLawyerHelp.com.