I have been offered a settlement from NCB Management and they gave me until June 30th to respond and I am terrified to make the call! They offered me 50% ($ 3,700) in one lump sum, or 60% (6 payments of $ 740), neither of which I can afford. I do want to pay this debt because I dont want to ever be haunted by this again, but if I cant afford what they offered me, I’m afraid they will just make me pay the entire amount which will take me absolutely FOREVER! I am expecting a $ 1,000 bonus at work HOPEFULLY before June 30th. What if I call NCB and tell them I can’t afford the payments they have suggested, but offer the $ 1,000 and see if they will take weekly payments, depending on what they say they will settle for. Does it work that way? I never did this before and I am really scared, but I want out from under this! Any advice would be helpful.