Hi,
While living in California, I got into debt with an Amazon card (SYNCB/AMAZON PLCC) for $3,500. It was closed in 11/27/16 and bought by Midland around 4/27/17. I remember getting some notices (settlement offer then threat to sue) around that time but did not have the money to pay anything at that time. I moved to Lakewood, CO for school in August 2017. I am still in school so I don't have much money but need to find a way to settle the debt. I don't need to have it taken off my credit, I just want to settle with a smaller lump sum.
The original debt was actually around $2,600 but with all the interest and fees it ended up being $3,500 before the account was closed.
Is there a way to get them to settle for a smaller amount and by how much typically?
Thanks!