<prompt> Human: I owe 10,000 dollars for a car that was repossessed due to non payment. The original creditor bridge crest sold the car at auction for a fraction of what i owed and gave me a bill for the remaining balance.I was unable to pay anything towards it and bridge crest sold the account to a debt collection agency called deville Asset Management. I called them and was told they want a minimum payment of 150 a month or they would pursue litigation, garnish accounts, etc. I told them i could pay 60 dollars a month because its all i can afford. They said they would accept the payment but it wouldnt keep me out of red and they could pursue litigation any time. How do i negotiate with them, what are my options? tl;dr i dont make much money and a dept collection says i have to pay 150 a month or they will pursue litigation. I only make 1800 a month which covers rent, car payment for current car, food, phone bill and gas to get to work.Assistant: So you had a car get repossessed and then financed another car?Human: I had no other choice. Bridge crest told me i would have to pay around 2000 to get it back. I needed to get to work. I burrowed money from a friend to help with down payment  <response>: Why not just use that money you got for the down payment to just buy a cheap beater and have zero payments? additionally you save on insurance since you wont need anything besides basic liability. 