About to call for the first time.

Haven't paid since March. (It's one of the big ones) I owe 7700. They offered to settle at 4200 a month ago (in a letter) and 3850 yesterday.

I have never called them. I can give them 2300, and that is really it.

What should I say when I call? How detailed should I get?

Can I just say, "I have been hit by tragedy & this is all I can afford. Do you accept?"

Any advice would be appreciated since I am am a bit nervous and I don't know why.