My question involves collection proceedings in the State of: minnesota

so i hired an attorney to help me with 2 accounts that i have that are both 4-5 years old and by now all with all of the interest and extra fees each acct is in the $10k range. both have arbitration awards against me. i am hoping to settle each account for $4-5000 but my attorney has only been able to get each acct to about $8000 at this point. i have heard about people settling for 20-30% of their total balance so im wondering why my attorney cant get me that type of deal?

any thoughts or suggestions?
Thanks!