Bad attitude towards defaulted clients

I have been handed over for an account and currently have a payment arrangement.which is not much. So I request a settlement discount to see if I can sort out this account as the payment only goes towards interest. The collection agency advises that b smart does not give any discount for settlement and interest will still just increase. How horrible are you as a company is especially with covid affecting us financially. Terrible service and no heart. Clearly they are not interested in helping clients but rather keeping them over indebted in order to make money off your back. Apartheid mentality at its best.