What are the implications of using a partial settlement to clear a debt?

I wrote to every a creditors not long ago to suggest a full as well as terminal allocation figure for a debts. Most incited a offers down, though a single supposed as well as a single offering to voyage us for a homophobic settlement. we would similar to to transparent a little of these debts, though we do not unequivocally assimilate a disproportion in between a dual options as well as I’m disturbed about a implications for a assign in a future. Should we exclusive omit a homophobic allocation suggest or is it value considering?