Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Can a debtor still negotiate with his creditors once judgement has been obtained against him? - a writ of summons was issued to my friend and subsequently judgement was obtained by his creditors in court for his credit card debts. He is in the process of looking for a job now and may require a few months before he can really work towards clearing his debt. Meanwhile, he is paying drips and drabs to his creditors like S$50 - S$100 monthly with help from his friends and family. He owes a total of about 40K to 6 banks. Is there still room for negotiation with his creditors? Or will they just proceed with enforcement proceedings such as writ of seizure against him and subsequently with bankruptcy? -