My question involves collection proceedings in the State of: Iowa
I received a collections notice in the amount of $3,800 from a parking lot accident where I was determined to be at fault by the other party's insurance co. Their subrogations claims adjuster agreed that there may have been contributory negligence against their insured but since I did not have insurance at the time (it had lapsed) that I was automatically liable for her damages and that it was being turned over to collections and that I would have to negotiate with them. I need to come up with a payment agrangement soon in order to keep my car licensed. Do you think the collections co will work with me and reduce the amount by 1/2 or my percentage of fault or should I just expect to pay the entire amount?

