Three years ago, I got my loans consolidated at Credit Counselling Services of Eastern Ontario. I have been making payments to them ever since. They deal with the collections flunkies for me. My question is, can I still go back to the collection agency and offer a settlement amount? My husband is about to try to settle for less than owed (some friends have had success with this), and if he can do it, I'd like to try also. Can I do this now, or is it too late?