BOA/FIA card

I have a 25,200 credit card debt and would like to settle. I spoke to a settlement officer today past 90 days and 120 days on November 21. I was offered 35% payable 90 days (4 payments of $2,200 (november-february). I tried to negotite for 25%, even 30% but she will not agree, saying that i had a balance transfer of 8k 6 months ago. My father in law is helping us with the debt but can only offer 25%, so we have to come up with the remaining amount of roughly $2,500. I told the account manager that i will call next week and will try to discuss with my husband and father in law. Im sure my father in law will not loan us more moey and my husband is jobless right now, im the only one working.

Should i take the offer? Do you think it will go down more based on our history - i.e. cash advance 6 months ago? Please advice. I calculated the interest, around $500/month if we chose to wait. How long before they will charge off the account? thanks a lot!