Hi All,   PRA have been sending letters for a while asking to repay this debt. I don't deny the debt, i want through some financial difficulty and couldn't afford to pay.    At one point they offered 30% off. But now I have this letter and the threat of court action seems very real. What can I do now?   Ideally i would borrow the money from a relative and pay the 30% off number they came to me with. If i go to them with this I think they will say