My question involves collection proceedings in the State of: Arizona
My situation is a complicated one. In a nutshell, 10 years ago I was a college student in the state of Arizona, and was involved in a car accident during a(unbeknownst to me) short lapse in my insurance. I was sued by the other driver's insurance company for a sum of just under $45k(There was judgment passed against me, and while the case goes deeper than what I've shared, that doesn't affect the answer I'm seeking. Also, due to the nature of my offense, bankruptcy is not an option for satisfying this debt.)
Long story short, I was given a class 5 Felony which has been hindering my ability for advancement in the automotive industry(I've been working in small independent shops on account of this). I have since moved back to my home in Oregon, and have been paying very small increments($50/monthly) on the amount due for the past 9 years in order to keep them off my back and keep my license from being suspended.I am interested in 1)getting this debt handled, 2)trying to get the felony expunged from my record, and 3)moving on with my life.
I have a family member who has offered to sponsor a lump sum toward this debt, but it is only about half of the remaining amount(the current balance is $39k). I have tried researching to see if since insurance companies will typically take lump sum settlements, how low of an amount they will typically take. I have come up with hardly any helpful or conclusive answers at all. Before I approach them with an offer, I'd like to have a good idea of what to expect to pay(which will be done through the lawfirm who is representing them and collecting the debt), so that I'm not going in completely blind, and offering too low and thus insulting them or incurring any sort of undesirable outcome.
This has been a thorn in my side for the past decade, and I want to get it behind me and move on. Thank you for your time.

