credit card company

What is the name of your state? tx
i have recently been enrolled in a debt negotiator progam for almost a year.all but one of my credit cards companies have agreed to go along with the program.That one company has recently filed a suit against me.i am currently a student and cannot afford paying the company off right now.what types of settlements do the courts usually judge in these cases.i don't own any property and the debt to the one company is about $6K.do the courts take in the debt negotiating program or if i can't pay should i file bankruptsy and move on w/o any debt?

[JETX]

Q1)"do the courts take in the debt negotiating program"
A1) No, the courts (in Texas) do not get involved in your attempts or ability to pay. They will only determine if the claim is valid and then render a judgment. The judgment itself will give the creditor additional actions that they can use to collect (more than just a 'normal' debt).

Q2) "or if i can't pay should i file bankruptsy and move on w/o any debt?"
A2) Without a complete review of your debt and current/future incomes, there is no way that any of us can answer that for you. Bankruptcy is NOT to be taken lightly, and it can affect (and cost) you for the next 10 years or so.