What is the name of your state (only U.S. law)?
mseic, you will need to provide the name of your state and your question on debt negotiation so we can assist you with your concerns.
I can suggest now, though, that you read through the "sticky" thread at the head of this forum written by a poster named "TigerD." TigerD is a former debt collector who is now an attorney. He has offered some good tips on negotiation.