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Answered 2006-08-28 18:52:33

Yes, they could settle on amount before court--I usually tell people to start at half of what is owed if the debt is under 2 yrs old. That of course doesn't mean that the collection agency will accept that. Really and truly, it depends on if they bought the account and how much they paid for it. If it is older--start a little lower than half. Whatever you offer--make sure it is something that you can do immediately (within 30 days). State your case- tell them you are trying to clean up your credit. If the amount they want is more than you can afford--try to settle for more time--like 2-3 months with the balance divided by the months. ($900.00 is settled on--2 months to do it $450.00 a month--3 months $300.00 a month.) !!!DO NOT WRITE ANY POST DATED CHECKS--there have been too many mistakes made and you don't want to find that you are now overdrawn with more fees added and the money needed for utilities-rent is gone!!

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