<prompt> Human: Im getting sued for almost 3000 in credit card debt by Capital One Bank and today is my answer date - the day on which I have to fax back the form that says if a I disagree with the claim; b I admit I owe part of the claim; or c I admit I owe the claim and need time to pay. I have to write in my reasons for whichever I choose. If a or b, Ill get a trial date. If c, Ill either have to pay 140mo or ask for a lesser payment.A couple questions:1. Can I call the law firm today and try to negotiate a lesser settlement?2. If that doesnt work, can I answer b and say that I wish to negotiate a lesser settlement?3. If that doesnt work, I guess its c, huh? Do I have any other better options?Thank you for your help. I know I let this go too long.  <response>: uh, unless there is a reason that you shouldnt be liable for the amount, you should answer C and just pay back the amount you owe. 