Debt Settlement Advice

Debt Settlement Advice My father in law had a stroke a few years back and can no longer work. While he was in the hospital his gf at the time ran up a $7k credit card bill on his card, he couldn't pay it and it went to third party collections. They just sent him a settlement offer for $3k and I am curious the pros/cons of 1) taking them up on the $3k offer 2) negotiat...

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