I've been contacted by ARS collections regarding a credit card bill I let go into collections --current amount is $23,738.84. They're offering me a debt settlement of $14,250 if I can pay the amount in two weeks. They will be faxing me the details. I do not have this amount and according to the rep I spoke with, no other payment option is available. He suggests I take out a personal loan. They will be faxing me details shortly. Who would loan me $14,000 at this point?