Thanks for the responses, guys. The main thing I was worried about was my car. I'm glad to hear they can't put their greedy paws on it.

Basically the guy gave me 3 options:

A) Come up with $900 (half my debt)
B) Come up with two payments of $450
C) Agree to pay $50 a month, every month

C is obviously the most attractive option, but they're saying I have to give them my bank information for a direct debit. I am not a fan of direct debits, as I don't know that I'd be able to make sure I have $50 in my account every month. I'd rather just pay them on my own, but they won't let me do that.

I make about $225 per paycheck, twice a month. Sometimes a little more, sometimes a little less. Rent is $450. Car payment/insurance is $260. I do make tips (I'm a delivery driver), but most of what I make in tips goes towards groceries and gas. I told them all of this information, but they still don't understand that i literally CANNOT guarantee that I'll be able to pay them the $50 a month.

My mom told me to look into filing for bankruptcy, but I don't know that that's really an option for me.