NEVER give up it's never to late start working on your lowest Collection FIRST then see if you can negotiate on the others always be sure you get in writing/email they will remove the Collection from all 3 CB's once payment is received and be sure that in a month or two you see it dropped before moving to the next one! That way you don't overwhelm yourself but it is definitely doable! Baby steps you got this we are here to support you!!
It doesn't have to be FULL but you can ask them to accept less just don't offer to pay 50 dollars on a 3k bill just be as nice and honest as possible and to the point let them know look I messed up and I don't plan on doing this again that you hit hard times or whatever the case may be and you would like them to do this with you for this time (on all the accounts you have for them) to start fresh! I had 2 large collections for medical and honestly I did end up PIF but I do know people that offered 60% of the bill do and they accepted it and a rare case I know one person who offered 40% and they accepted and deleted too so it really depends on the Creditor to be honest read up on them and see other people's experience with them too.
Whatever you agree to though get it in writing/email!!!!!! That way if in 1-3 months it still is showing after your agreed paid amount you can take it to someone to get it removed!
Typically but they will and I wouldn't pay it without it I did for both of mine and I still have the letter to this day (just in case it popped back up for whatever reason) Haha.
On a side note once you catch up the rest I would def. refinance your car or upgrade/trade out depending on what deals your local dealer offers to get that apr lowered.....I feel ya I do I had a 19% or 18% apr when I first got my vehicle and that was because I had a Cosigner....but an apr that high is killing you too!! All your payments right now is going to that and not to the car and meanwhile your car is decreasing in value making it harder for you to get out of later...(food for thought) If you ever did I would try to get it refinanced with your CU first for best deals 
@Girlzilla88 wrote:On a side note once you catch up the rest I would def. refinance your car or upgrade/trade out depending on what deals your local dealer offers to get that apr lowered.
I wouldn't make this a *side note*, I would make it the main note.
OP, I would sell that car tomorrow and buy a beater. Even if you are upside down on it, at least you will only be paying 28% on the remaining balance versus the entire car. With auto insurance, that is near or at 25% of your pay. That is weighing you down heavily.
