<prompt> Human: I am about to send a debt verification letter to this debt collector after seeing this loan bounce from a couple of collectors. I am going to arrange a payment plan for a very large bill, but if they accept a plan that pays off a reduced amount, I do not want them to go after my Co-signer. Am I able to negotiate a settlement that includes settling the responsibilities on both my behalf and my co-signer?  <response>: In theory you could, but if I were the collection agency, Id figure out whether going after the co-signer would be more profitable. 