I have some hospital bills that have gone into a collection agency and I have kind of left them there because I'm not sure what I have for options with them. I hear all the time about settling for less but obviously they don't give you that option when you call about them so what do I need to do or how do I go about it to settle for a lesser amount?

You call them or write them and make them a offer.

Any offer or should it be a percentage? Cause my bills are high