<prompt> Human: Ive decided to try and pay off some debt with my tax return this year. I made a deal with BofA a couple years ago to freeze a credit card in exchange for a lower interest rate. I am down from around 7000 to 1750 as of now. My question is: Can I offer them a lower amount, say 700-800, to clear the debt? I have some other stuff I want to pay off, so 800 is about all I can really put towards it.  <response>: Why not just be an adult and pay back all the money you owe?Sounds rhetorical but Im actually curious if theres an answer other than I dont want to. 