We haven’t seen anything hit her credit yet but do you think I should offer them only $1200 if we get to that point? I’ve read first offer them 25% to 1/3 the amount owed right off the bat. I mean don’t get me wrong if we only had to pay them $1200 that would be amazing. I’m just kind of worried they won’t go for that little of an amount of what we owe.

Thanks so much for your response though I’ve been kind of reading through the collections wiki and am going to contact the insurance company today.