What % to settle for? Please help!

My husband and I want to settle some of the debts we owe. However, we thought we'd be getting $15,000 from a trust fund account and we're only getting $8,000. Basically, my husbands mother controls his money in the trust fund and she decided instead of giving us $15,000, she'd only give us $8,000. Mostly to punish him because she hates me. But that's neither here nor there....

The problem was we planned on paying out more than we're getting. So I've had to prioritize. What I need help with is how much I should offer for settlement. Here's the situation:

I have a judgment for $5000 against me from citi cards. But I was sued by Burton, Neil and Assoc. I'm trying to make the $8,000 stretch. Last time I talked to them was in July right after they had gotten the judgment. At that time they offered to settle for $3800 and "not a penny less" is what the very rude attorney told me. Should I try again? What % should I ask for.

I have another judgment against me for $2,000 from Capitol One. I was sued by Patenaude & Felix. Right now I'm in a payment plan with them. for $100 a month. Should I just continue with the payment plan? Or try to settle, if so, what %?

My husband has a $9,000 Citi card in collections. We haven't been sued on that yet, but it's just a matter of time. He hasn't made a payment on it since at LEAST 2006. What should we offer?

I have 2 deficiency balances for repo'd autos. Both are for about $4,000 each. One hasn't been paid on since 2006, the other since 2008. The one we haven't paid on since 2008 offered us a $2,600 settlement. Should we go for lower?

I know that the $8,000 won't cover everything, but we're really trying to make it stretch as far as humanly possible.

I should note that my husband just got a new job, making twice as much as he was making before. So we may be able to do some payment plans. I just want to get as much paid off as we can. I really don't want to start the new year up to my eye balls in debt, and with a new baby.