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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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.
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