University withholding transcript

[mysonx3]

Usually they respond a lot nicer when a lawyer does this on your behalf, but i'm guessing you probably don't have the money to throw around on a lawyer.

There are likely places the OP could get free legal aid though. I think this would be a great way to go! Maybe contact the local United Way to find out about free legal resources. As an alternative, find out it the closest law school offers free legal aid.

Messaging the OP directly. I actually know some resources.

Not legal advice:

How many credits do you have to transfer? Remember the one-month degree? Consider screwing the debt and testing out to rack up the credits. Saylor courses are free + $25 proctor fee. This may be the path of least resistance.

If there's something you really need, consider seeking out free legal aid in your state who may at least point you in the right direction. If you agree to a lesser amount with the collections agency, make sure it's in writing and the documentation includes some language about finality and no future charges.

Ask first what they will accept if you negotiate. Then, offer less. They will work with you because they get paid based on how much they collect in some cases. Also note that as soon as you make a 'promise to pay', you may restart the clock on the negative credit reporting.

You might get a better deal by working with an intermediary and paying a fee if they are familiar with the process or have contacts in the industry. Consider a credit counselor, perhaps?

OP won't be able to just replace the credits and move on without getting a transcript, as almost any school will require transcripts from all previous schools before granting a degree.