text:  now uh you can try and you can say uh because that's not under the penalty of perjury you say hey i don't have any money i'm telling you i'm broke i'll give you 50 cents on the daughter dollar i'll give you 75 cents on the dollar i'll pay you 200 bucks a month uh waive the interest a lot of things you can do because if they believe that you're broke or that you don't have money they would rather take 200 bucks a month or they'd rather take 1500 or 2000 than nothing