Your debt settlement attorney will work with you to decide which debts to settle first. You know that things have gotten serious when you’re getting letters from an in-state collection attorney, so you’re typically going to want to get that debt out of the way first. The biggest concern with debts that have gone to a collection attorney is that if the attorney files a suit against you and wins, your wages can be garnished (or other assets seized). Other than that, we typically prioritize the debts according to who will accept the lowest settlement rate, as well as by what the interest rates are on your cards.