UCB collection Only company NOT willing to reduce debt on a settlement ft.lauderdale, Florida

I fell on undue hardships by loosing my job. I then did not work for 10 months. I then got a job for 4 months then that job ended and was out of work again for 9 months. During this time I lost my Stepfather, my Dad was Murder, and mother in law bled to death in my house when her tumor burst. I had to sell my house take the equity to pay bills - move & use all my retirement to live on to support my NO working wife and child. This company UCB is a collection agency that I have been speaking with and IS the ONLY company that will not be willing to settle my debt by cutting it in half and then make payments of $100 a month. I am trying to do the credit payback system with settlements instead of filing for bankruptcy. However UCB Collection Agency IS the ONLY company that will not work with me. I even worked a settlement with Chase Credit Card company direct. UCB is trying to collect a debt for Chase and will NOT work with me. Chase says it is up to UCB and UCB says they are going by Chase's rules. THIS is BOGUS. I told them to stop calling and do whatever since they will not work with me and they still call everyday a few times. This company has a ( F ) rating with the BBB and uses foul unrespectfull language with me and other as far as I can tell by reading all the negative remarks, Why not conduct business like " Lonestar " the good collection agency and you may get better results. You catch more bees with honey :) PEACE