I have an account that was bought by Rent Recovery Solutions in the amount of $ 3,000. It has been on my reports for 3 years. I was recently contacted with a settlement to pay half of that amount by the end of the month! Not much time. They noted that if I can’t pay it to call anyway and set up a payment arrangement on the full amount. Question is should I call them and try to negociate on the length of time to pay the settlement amount, or should I make payment arrangements on the full amount. Just a lot of money for me right now. Any advice will help thanks!