In Texas, how do I word an offer to settle an original credit card debt that has been bought by a junk debt buyer and a collection agency is using a law firm to sue me for the original debt plus interest and lawyer fees. The suit for summary judgement was denied and now mediation has been requested by the plaintiff. I want to offer a cash settlement against the original debt only not including interest or lawyer fees. Also, I want to ask that the original debt not be reported in any way as earned income on my IRS tax return. I don't know the legal wording to use and I need help. Thanks!