I know I am going to get yelled at but..

I have 2 deficiency balances from a truck and boat I turned over to voluntary repo because we couldnt afford it any longer after my husband went salary. Does anyone know how to make them do a settlement offer?

I have Fidelity Bank for the truck and owe $16,000 and Merrick for the boat and owe $9000.

I was hoping to pay maybe 40% on each…. Im current on the monthly payment plan but want to see about getting them paid off.

Anyone deal with this??