I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
Because the debt that you owe is relatively so small, you will not need, or want, to retain an attorney to assist you in negotiating the settlement and compromise of the bill.
As a general rule of thumb, many collection companies will accept between 50% and 70% of the total debt owed if you agree to pay it in a lump sum within a matter of about a week after you reach the agreement.
So don't worry about contacting the collection agent, Forster and Garbus. Just explain to them that you want to enter a compromised settlement and that you are willing to pay then 50% of the amount they claim you owe if they will accept that as payment in full. That is a good place to start the negotiations.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
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I wish you and yours the best in 2016,