Helpp

My credit is 561 I have 2 charged off accounts, they are all thru the same bank, they will settle for 3k lump sum payment, I unfortunately can not do that. My other one is $53 DTE bill sent to collections. I do plan on calling DTE to ask for pay to delete. delete.i also have one for 533$ it says my past due amount is $97 but due to late fees its $533.. I do plan on calling to talk to them but have no clue what to even say. Any other tips please?