TIPS on How to Negotiate a Settlement from Debt Collector?

I received a court summons a couple days ago and I'm in the process of negotiating a settlement for a $2100 debt. Any tips or negotiating tactics helpful during this process would be super helpful. I'm a college student and I'm trying to pay the least amount possible as I'm obviously broke.

Thanks for any help!

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Answer:
If you have 1000 or 1100 cash, right now, call them and ask if they will settle for that. They will not take payments on a settlement. If they agree to that, ask them to send you a letter saying that your money will be considered payment in full. Once you get that letter, send them the money and be done with it.

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