Tell them to stuff it.

In order to negotiate, you need to talk with someone in authority above the pinhead that you spoke to.

Make exactly one offer. Tell them, it's a take it or leave it proposition.You need to set up some sort of payment plan with them. While sometimes a creditor will reduce the debt, they are not obligated to do so in any way. Your past behavior with them and other creditors will affect how much they will knock off, and what terms will be used. Yes, some people get their debt reduced, but they have to take a big hit on their credit score when they do this.

If you've been paying them even token sums (such as $10 a month), that shows that you do intend to pay, you just haven't had the money. If you have not been communicating with them until very recently, then they're more likely to take a tough stance with you.

Basically, you owe them the whole amount, and you owe it now, since you've defaulted on your account. You can try to negotiate with them, but you have to give them a good reason as to why they should accept your deal.You could try talking to someone else but just so you know….they will sue you. I was served so I've been there, done that. Fortunately at the time I had just received my income taxes and was able to pay before I had to appear in court. Have you considered paying smaller amounts of the $1000.00? At least if you did that you could stretch out the time and maybe be able to pay more when the $1000 runs out. Or you could take a smaller amount from your Mom, hire an attorney and file bankruptcy. If you have had a lot of unexpected medical expenses I would not feel the least bit guilty about doing that and it could be the best option if you are looking at long term debt that will control your life for years to come.

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