Settlement with what money? You got have something to settle with. Otherwise, it'll go through the motions and probably a judgement against zidware or John himself. Honestly, I don't think anyone will see money back from this. I would think Zidware will get bankruptcy protection and be gone and the debt against it will die with it. John might be gone at personally for fraud or the likes, if anyone can prove it, and he could see some prison time and judgment for restitution, but good luck getting blood from a stone.