What is the process of settling credit card debt?

by Alegrya
Question by Momto2inFL: What is the process of settling credit card debt?
I have been saving up money so that I could pay off a charge card that I racked up a few years ago. I maxed it out in trying to pay off a lawyer to help my husband fight for custody and visitation of his daughter. (And a crappy lawyer at that!!!)

I have saved up a good amount of money to where I can call and ask to settle the account, but I want to do this properly. And not screw myself more than I already

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