Call the company who is handling your account now and ask them if they will settle the account for less. Alot of times the will forgive any interest on the account or settle of half of what is owed. If they give you a number you can't afford ask them if there's any way they would settle for X amount of dollars. The worst they could say is no, but usually they would rather get a payoff than have to deal with payments. Good luck!
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