<prompt> Human: Hi guys,So Circa 2008 I was minding my own business at the the bank, making a deposit, when BoA offered me a credit card with a 2500 limit. I accepted and racked up charges on it and was making payments on it and then I lost my job and went back to school. Pretty much ignored the CC debt until they took me to court in 2011. Judge gave them a ruling of 3600 and I agreed to pay them in 150 installments. I made 5 payments and then stopped since my cost of living went up and couldnt afford what i agreed to pay. Fast Forward 4 years and were back in court but not in front of a judge but with a intermediary. Theyre claiming with the interest added over the 4 years I now owe 5600. I think that number is FUCKING insane and I refuse to pay. I offer 3000 to settle and lawyer says he can present that to his clientCavalry LLCBoA. That was in October or November.Fast Forward to today and I call the lawyers because I have the money ready. They say they have to present the offer to BoA and then theyll call me back. They call me back and say BoA refused the offer and counter offered 3760 or if I can provide my W2, paystubs, Checking account invoice they could accept the 3k. Am I wrong for thinking that my offer was more than fair and feeling sketchy about them asking for my financials? Any Advice on how I should proceed?TLDR; offering to pay 3750750 in 2011 and 3000 today on a CC with 2500 limit but BoA wants 4500 to dayP.S. please dont berate me like the last time I asked for advice over my financial decisions. I know I fucked up and now Im trying to right a wrong. Edit: I took uronin722 advice and called back to get more info about the info they wanted from my financials and it seems a bank statement saying Im NOT super rich is all they need. Sending them that info tomorrow and well see how that goes. Assistant: Am I wrong for thinking that my offer was more than fair and feeling sketchy about them asking for my financials? More than fair? In what sense? You agreed to pay for charges when you got the card, you didnt. You went to court and agreed to pay an amount settled by the judge, you didnt. They added interest at a relatively low rate 2000 added over 4 years on a 3600 balance is pretty darn good for a CC APR rate, and you refused to pay it. In what world is you offering them half the amount fair? Right your wrong by paying the amount. Theyre already offering you a ridiculous break of only 3750. Human: Im of the mentality that no interest rate should be added after the judgement of 3600. Im offering to pay 3000 on top of the 750 I already paid. So 3750. What have they done to deserve more money? Sit and wait for the interest to go up? In what world is 1250 interest on a 2500 loan unfair? The 2500 already included interest charges to begin with.  <response>: Yes, actually, them sitting and waiting is exactly what theyve done to deserve more money. 