How to solve the pre-trial mediation of credit card prosecution?

Pre-trial mediation in credit card debt litigation has this solution.

Repayment plan: The debtor and the creditor will agree on a plan to repay the debt by installments, and specify the repayment amount and period of each installment.

Reducing interest and fees: As part of the settlement, creditors will agree to reduce some interest and late fees.

Partial repayment: the debtor proposes to pay a certain amount of money to pay off the debt or part of the debt, and the creditor waives the right of recourse against the remaining debt after accepting the money.

Debt restructuring: The two parties reached an agreement on debt restructuring and changed the original repayment conditions to adapt to the debtor's financial situation.

Settlement agreement: Both parties can sign a written settlement agreement to clarify their respective rights and obligations. Once the agreement is signed, both parties should abide by it.