u/QuantityLivid3199

I received this email about a debt (which unfortunately was a huge misunderstanding that can no longer be resolved 😭). But can I counter back to this email and say I can only afford $100 or something?

This is what the email says-

Your creditor has agreed to accept $183.72 as a lump sum payment which will resolve the account for less than the Balance Due. This offer is valid for 15 days from the date of this email and we are not obligated to renew this offer.
You can accept this offer by calling us at a
This offer is contingent upon Transworld Systems Inc. receiving the payment in our office on or before 15 days from the date of this email. Any payment received after 15 days from the date of this email will be applied to the Balance Due.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

Backstory- my husband got a new job June '25. His old boss quit and started his own blue collar company so my husband followed (his boss had always been REALLY good to us- paid our monthly insurance, paid paternity leave even tho it wasn't a requirement etc. We knew there would be ONE job that had to be worked out of town. ONE JOB

June '25 hired

July '25 Found out we were pregnant with our 2nd baby

Oct '25 Started the out of town job

(I was what? 4 months pregnant? With a 2yr old at home.
This job was supposed to last 2 months. Then they booked another out of town job, and another, and another

Feb '26 had our second baby and he was only able To take 1 week off

MAY '26 STILL WORKING OUT OF TOWN 4-5 DAYS A WEEK! I've been at home taking care of my 2yr old and now 2 month old BY MYSELF FOR 8 FREAKING MONTHS
My husband has had multiple conversations with his boss about how he needs to be working at jobsites closer to home and his boss just tells him that he sends him where he needs him....and that if we stick with the company then we will be making more money and my husband will have to do less manual labor (be promoted to supervised etc)

My husband has started looking for new jobs but it’s hard bc of health insurance and having to wait the 90 days for it to kick in, esp because we have kids

Tonight my husband and I were texting and I sent him these messages

But it’s hard to feel like we’re good and solid when you’re only here 3 days of the week? I feel so distant from you, almost numb because I’ve ‘turned off’ my feelings because I was getting too sad and depressed and anxious every time you left so now it’s like I don’t really feel much. Like I know that I love you but it’s hard to go from having my feelings ‘turned off’ for Monday-Thursday and then ‘turning them on’ Friday-Sunday just for you to leave again

And also…this may sound mean and I don’t mean for it to but it’s almost weird for me when you’re home? Like you’re just visiting. It has started feeling like we’re not even married anymore? And I hate it

Do my messages make sense? Are my feelings valid? I honestly don’t even know how I’ve done it by myself for this long…I’m starting to feel like the only reason I need my husband is around is for finances (I’m a sahm) and I hate that feeling.

tl;dr my husband has been working out of town so often that I feel like I don’t need him anymore, and I hate it

…

Can I counter back?

Does the way I feel make sense?

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