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credit card statement, which is attached to lawsuit. My question is I want to settle with them by making paymanet arrangement, but I am uncertain as to what is reasonable to ask for. I know they purchased this debt for pennies on the dollar. Needless to say since the amount they are requesting is the exact amount of last credit card bill, they aren't considering the filing fee they paid to start the lawsuit.
How much should I start off with to negotiate?