debt collectors arent obligated to accept settlement offers, that being said, there are a few tricks...... if you can prove that the offer you have made is all that you have available, then you mat get a good settlement figure.... you may also be able to get more that a 25% discount.... best time to make an offer is towards the end of the month.... providing you have the funds ready to be paid as soon as they agree.... agents have targets to make, and if you offer a decent payment last 2-3 days before the end of the month you might be successful.... end of financial year can also be a good time as well.... good luck
