Go on the hardship program….once you get the money in hand….offer to settle the debt in full @ $2,500 and see what they say…there’s no harm in asking. Never pay a debt collector without first getting a signed settlement agreement on their letterhead stating that the account will be paid in full upon receipt of the agreed-to amount. If you don’t, the debt collectors will come back demanding more money.

Be careful about any "hardship" program that involves giving them your bank/checking account numbers…this almost always leads to disaster. Pay only via USPS money orders.

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