<prompt> Human: In May 2014 I had to have periodontal surgery, about 2,300. So I opened a CareCredit account with 0 APR for 12 months. I was 8 months pregnant at the time and extremely overwhelmed with work, buying a house, etc. and I dont know what I was thinking but I somehow confused the terms and did not make a payment for a year. Now finances are tight and Im only paying them like 20-30 each month. Im coming into some money next month, about 2k and Im wanting to negotiate settling the account it is not in collections. What are my best options? Ive never tried to negotiate a debt before and I really want to try to knock it out maybe by dropping the finance charges... Any advice is greatly appreciated.  <response>: You likely wont be able to negotiate anything until it is in collections and your credit is already trashed. You can ask, but it is unlikely.Your best bet will likely be to just put the 2k toward the debt then keep paying until it is paid off. 