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

Repayment plan: The debtor and creditor will agree on an installment plan to repay the debt, specifying the payment amount and period of each installment.

Reduction of interest and fees: The creditor will agree to waive some of the interest and late fees as part of the settlement.

Partial repayment: The debtor offers to pay a certain amount of money to settle the debt or part of the debt, and the creditor waives its right to pursue the remaining debt after accepting this part of the payment.

Debt restructuring: Both parties will agree on the reorganization of the debt and change the original repayment terms 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 signed, both parties should abide by the content of the agreement.