I called a debt collector to try and just settle the debt out of court to avoid hassles. They sent me an offer of 1400 that was good until November, but I asked the person on the phone what kind of settlement they could do because of my lack of income, never mentioning the letter from their office, and she told me the best they could offer was 2200. I said that is higher than the letter I received from her office and she said that she is only allowed to go to 2200 and the owners of the office sent that letter. She tried to act like she knew what the letter said but she said i had 20 days to respond to the letter and I told her it said 30. Is it ok and not a violation for them to try collecting more for the debt than they already offered?