I am in Hawaii, THe debt was originally with a credit card. The collection ageny is in North Carolina. The debt was originally for 6000.00 (plus change). I spoke with a rep from the agency and said I would settle for 3500.00 they said no 4000.00 no less. A few day later I called and a rep said OK 3750.00. So i sent the money in for 3750 along with a letter stating 3750 was our agreement. Now they are saying i still oew them the remaining balance. They cashed the check, knowing the terms I agreed to. What can I do? I cant afford to pay them! I am jus starting out and have 20k in student loans to pay! HELP!