I would start at 30% and go up to 50% if you have liquid funds. Contact a consumer licensed in the federal court in Colorado (cough cough) to see if they violated the fdcpa by suing you before validating the debt. If so, a consumer attorney (cough cough) might be able to help you for free :). Good luck.
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According to your post, you owe the money and have the ability to pay. The honest and honroable thing to do would be to pay your debt.
As for the debt validation request, such a request does not affect the creditor's ability to take the matter to court. This is especially true if you are being sued by the original creditor rather than a collection agency. You're scheme isn't likely to change the negotiations in any appreciable way.
Of course, the truth is that the creditor will take something less than the full payment in order to avoid the cost of pursuing the case futher and the risk of bankruptcy or other contingencies that would interrupt full collection. If you insist on paying less than you owe, contact the creditor and make them an offer. If they don't accept the initial offer, they will likely counter. Work your way to an agreement.
You can reach Harkess & Salter LLC at (303) 531-5380 or info@Harkess-Salter.com. Stephen Harkess is an attorney licensed in the state and federal courts of Colorado. This answer is for general information only and does not create an attorney client relationship between Stephen Harkess or Harkess & Salter LLC and any person. You should schedule a consultation with an attorney to discuss the specifics of your legal issues.Ask a similar question
My esteemed colleague, Ross Smith has written a great legal guide on this topic & I am posting the link below. Hope this perspective helps!Ask a similar question
Understand what a DV gets you. (1) the creditor must cease collection until it verifies, (2) FCRA doesn't define what a verification must contain, so usually, you are only going to get the name and address of the creditors, the amount owed. Sometimes they send a statement, but doing so is not required.Ask a similar question