<prompt> Human: I have been in a really, really bad financial situation until recently it isnt amazing now but its better and im managing. I had to put some medical payments on a credit card a few years ago that totaled almost 5k and now the interest has put it upwards of like 5.5k or something. Anyways, I guess this debt collection company bought my debt from Chase and is now trying to get me to pay. I want to take care of it all now if this is legit, but the fact that its a 1500 one time payment offer on over 5000 worth of debt makes me very, very skeptical. I cant for the life of me figure out why they would ever do something like this.Any insight?  <response>: Make sure when you get the requested settlement paperwork you get them to agree to strike the trade line off your record. Get that in writing. Follow-up with a credit check after its done to make sure. 