<prompt> Human: Without my knowing my father had taken me off his medical insurance plan because i found out that I was not his biological daughter, and he didnt have any reason to care anymore I suppose, right as I had braces put on, this was a few years ago.He did this right after he traded my car in that he co-signed for, and gave the new one to his biological daughter. I finally finished paying that off and now I have 2200 dollars in collection. I dont want to give them my bank information because theyll draw out however much they want, and I cant afford that right now living in a new state, on my own, at 20 years old.I have no idea what to do and any help would be greatly appreciated. I am currently paying 150 a month for rent at my amazing boyfriends moms place. Phone bill is about fourty and car insurance is 131. I am a sever so its hard to say exactly how much I make but usually Ill pull in about 1500 a month.  <response>: If you were an adult at the time the debt was incurred, its valid.You can try offering them less for settlement in full, but youll need to have in hand the full amount that youre offering. Then you can buy a money order and mail it to them you were right not to give them your bank information. Dont send them any money until you have a settlement agreement in writing email is fine. 