Ok, I have one more question

I figured up all my recurring bills, electric, cable, etc….I would need to take out $216 per week to pay it all….problem is everything is behind. Would you just start taking out $216 per week, and pay what you can and put the balance in one bill’s envelope until you get enough to pay it on time, and work your way through all the envelopes or would you put the money in each one’s envelope and try to come up with the extra money to pay it on time? I’m not sure where to start there….with being behind.

I have a dumb question, but please read it through

I have a bill collector who is begging me to settle. I do agree that I made the debt and therefore I need to pay it full, even if just to ease my conscience. This bill collector keeps telling me the company needs to close the account sooner rather than later, due to the “value” of money today versus in the future, among other reasons. Can they force me to settle by taking me to court? I have already paid more than the offered settlement amount. At some point, can they send me a letter saying it is settled even if I haven’t agreed to a settlement? I’m just curious.