<prompt> Human: UPDATE: Thanks for the feedback, all - my SO and I are married and Im looking to get our financial house in order, so Im going to just pay it all off.Before we met, my SO was sued over credit card debt and a judgment was issued in Ohio; we live in a different state today. Prior to the judgment, shed made payments over the years that cover the original principal plus a healthy amount of interest, but she was never able to knock it out completely and, after a series of life setbacks, the debt has climbed back up and now sits at roughly 7k today.In her current situation, its unlikely that she will be able to pay this off anytime in the near future, but I happen to have funds to pay this off completely, today. The downside is that this would eat up about 13 of myour emergency fund in doing so.I know one of my options is to bite the bullet and pay in full, but are there other options to reduce the amount paid?EDIT: Ohio has some of the most creditor-friendly laws in the country around collecting judgment, apparently, and if the judgment goes dormant after 7 years, the creditor has another 10 years to revive it.  <response>: If theres a judgement, the only option is to pay it. If not, they can and likely will start to garnish your SOs wages.If youre not married, I wouldnt pay it for her, but thats just me. Shes going to have to pay it one way or another, however. 