Will post details later or tomorrow, thanks for you help it's much appreciated

As explained in the beginning, I am new to this and finding it all daunting, will try to sort the detail and revert, much appreciate your help

Many thanks for your prompt response, yes the debt claimant is HFO on behalf of Morgan Stanley and Goldfish, and again yes there is a CCJ and I now have the paperwork.

High I'm new here, so don't even know if I'm in the right section, apologies but in mitigation I am a pensioner. I have recently found out that my husband of 71 has run up credit card debts which had been defaulted on payment, the debt was apparently sold to collection solicitors Turnbull Rutherford, I have now taken charge of trying to sort out the mess, this company has place an attachment to our property, and it appears that the interest has been pilling up, the debt is currently at £21k, I have requested copies of the original signed agreements as per the sale of goods act 1979 section 75. However we have now received another letter with a settlement offer of £6.5k, which seems incredulous, my first reaction was to run to the bank and try and raise the cash, but think I will wait for any advise this forum can give me. PS the letter states the offer is only open till Friday 28th June, so there is not much time to respond, or raise the funds, this is causing me sleepless night and stressful days, which I could do without, I am currently receiving chemotherapy treatment for cancer, all this debt worry is not helping.