Debt Collector Won't Accept Reduced Payments

by Cynthia
(west hazleton, pa. )

I had a debt collector call me and offer me a settlement on a card card it was a fair settlement but when i told him the best i could do was $100.00 per month til it was paid he said no, we need $600 up front then we will settle on an amount every month. He also wanted to know about my income tax return and could i borrow the money from someone and could i make a loan. Are they allowed to turn down money you are offering them, something is better than nothing.