text:  Now, you can try and you can say, 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 dollar. I'll give you 75 cents on the dollar. I'll pay you 200 bucks a month. 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 1,500 or 2,000 than nothing.