Certainly you can make an offer. You need to arrive at a deal where you pay what you can and they file a satisfaction of judgment. Otherwise they can just take the money and keep hounding you for the rest. It will be up to them whether they take the deal or not.
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DISCLAIMER This answer is not legal advice nor does it create an attorney-client relationship between any user/reader and The Law Offices of Jimmy Allen Davis, P.L.. We encourage and welcome you to contact us about your legal problems and visit our website at www.lawofficesofjimmyallendavis.com or email me at email@example.com.
Consult with an attorney to make sure any agreed upon payment is the final resolution.
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You absolutely can make offers to settle for less. You want to make sure that if you reach an agreement with a creditor that you obtain a full release agreement. A lawyer would be very helpful in respect to negotiating on your behalf and making sure that the release agreement is correctly drafted to protect you.