Speak: I think we may have a way to work this out without having to move the account from this collections stage, Mr. /Ms. #debtorLastName#. I know that your current situation keeps you from paying this debt off as you would like to do.
Once I entered your information into our system, I was able to come up with a payment plan that will allow you to pay a lower amount on this debt now, this will give you some time for your situation to improve.
The temporary arrangement that I was able to get approved is a series of payments of $X per month for X months. By that time, hopefully, your situation will have improved, and we can discuss the rest of the debt.