<prompt> Human: Ive heard someplace that creditors can sometimes accept a deal, when offering to pay off a debt, should this be an option made available to me, or will it affect her or my credit?instead of paying cash 30K to clear it, example, can I say, take 20K, take it or leave it, and well die never paying it off?thanks.please dont judge the debt, she is not a shopper, this was carried for personal medical reasons, from past relationship.  <response>: AFIK, credit card companies dont make deals on accounts that are being paid every month in good standing.Theyre pretty content to have you make minimum payments for the rest of your life, and then claiming against your estate after you pass away.If you want the debt sold off to a collection agency who will be more interested in making a deal, your spouse would have to stop paying, which would destroy their credit scorehistory first. 