Black people... That is all
This answer depends on the procedures of the courts in your state. Generally, a judgment will be reported on your credit rating a will be a negative mark against. Instead, you can have a stipulation for settlement that keeps the case open and then the case is dismissed when the settlement has been fully paid.
That really depends on the terms of the proposed stipulation. Without adequate protection such as a court-ordered repayment plan, having a judgment against you can negatively impact your credit and give the creditor the ability to garnish your wages and take your property. On other other hand, you need to consider what would happen if you didn't sign it and compare the consequences of both actions to see what is best for your situation.
It is prorated.
No, it is not.
Applications by (Pty) Ltd, CC or trust and if the amount is less than R 10 000
A prenuptial agreement does not have any bearing on whether credit will be affected.
No.
the advantages of the consumers in the national credit act
If that is the agreement.
You become a hobo
Yes
(in the US) Unfortunately - yes.