However, they are willing to settle for 15K provided that I send it do them in 60 days. I've managed to get 3k (three thousand dollars). There is no way I can get 15K. I want to counter with the 3K. Need advice on how to do this? But this is where things get horrible for me. I own two condos. One I live in. The other I rent out. The one I rent out I lose money on each month. I've never made a profit. However, both have equity. My credit is sooo bad, I'm not able to get a loan from my bank - I TRIED! I live in DC. The one I live in they can't put a lien on because of homestead exemption. However, I'm concerned about the 1 I rent. Can anyone give me any negotiating advice? The clock is ticking. I need to respond to the law firm by the end of this week.