Once the charge is in place, they could go back to Court and ask for an order for sale if you don't settle the debt, so you must get it sorted asap. If they know there is sufficient equity in your house to pay the debt in full they are less likely to settle for less. You will find the debt has increased by Court costs, legal fees etc., & it could also go up by interest being added from the original CCJ date. So what you owe now could be far far more than when the CCJ was taken out.