I have been told to get a prepaid debit card and put the money on it and they will accept that in good faith, that I am trying to pay these loans back
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Please restate your question so we understand what you are asking.
Your question is not understandable.
The collector is attempting to get you to be stupid. If you had the money to buy the prepaid card, you could just pay them. 99.9% of everything out of a collector’s mouth is designed to scare you and has no regard for truth.