The original amount is $4300 after int it's $6300 - I called and they will not let me settle, they want me to pay in full... or in 6 months.... If they garnish my wages I will be paying $550 a month. I can't afford that. What can I do? I was willing to pay $2000-$3000 for a settlement.... I didn't tell them how much I would settle for because they said it was beyond that point. I have two small girls... I really need help!