well, while they might settle, you are a perfect example of a person they won't settle with. You are young, educated and most likely have a good chance of earning a reasonable income in the next 20 years which happens to be the life of a civil judgment in Florida..
If I were the plaintiff, I would not settle for a low offer. There is too much chance of you earning enough to pay the judgment along with the at least 11% interest (but up to 18% if the contract allowed for it). On top of that, they know a judgement on your credit report can be devastating. You most likely do not want your credit screwed up for the next 20 years.
I mentioned the FDCPA in the letter though I don't really have time, energy or resources for state and federal litigation.
there is a chance that part of the settlement offer would be a stipulation, by you, to allow the judgment.
I'm not sure where you have any leverage here.
mentioned the FDCPA? Was there a violation somewhere?
