Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Can I settle with a debt collector for a lower amount than owed after going to court? - i got served papers and went to court for about $4000 in credit card debt.. i talked to their attorney and i accepted the debt and she gave me two weeks to contact the agency because i was considering bankruptcy or consolidation.. i do not want to do either of them after doing research on both.. i did make contact and they really didnt want me to make any type of payment at all.. he was really giving me a hard time and finally asked everything i have to pay.. i told him and he said WOW, you really dont have any extra money to pay this.. he excepted $20 a month until i can start making more.. i have a child that will be 2 in feb and my fiance that lives with me.. i am currently the only one working and have no clue how to go about this..at tax time i was really wanting to pay it off if i could settle for an extremly lesser amount.. i have to pay off, or quite abit twoards my car because i cant make the monthly payment always.. if anyone has any advice it would be much appreciated~!! thank you -