I’m trying to take care of a couple collections, one is $1,287 and the other is $998. The one that is $1,287 they are saying they can offer a settlement of $760 and the $998 said a settlement of $734, but then changed their story 2 days later to $600, then when I told them I only had $400 they said $499 is the lowest they can go. Can anyone tell me the REAL story here? What IS the lowest they can go, I am very broke and I heard they BUY these off other companies for PENNIES ON THE DOLLAR so why can’t they just take my $400? Obviously, just like everything else in life, I want to pay as little as I have to. Thanks in advance for any advice!