If you owed $30,000 for a debt that has not been reduced to a judgment where you have a collection agency pestering you about a monthly payment of $335.00 to start reducing what is owed, but that amount you cannot afford, counter the $335.00 monthly amount with one that you can realistically afford in writing.It is important in negotiating any settlement of this debt is to keep in contact with the collection agency via written correspondence (keeping copies of such for future records) to show that you are making a good faith effort to try and pay down this obligation.Unfortunately, one cannot have an obligation for money owed reduced or removed due to financial hardship unless one files for bankruptcy protection.If you are not a bankruptcy candidate, your other choices to obtain a greater net monetary disposable income for you and your family is to somehow increase the amount of hours you work per month, reduce your monthly expenses and work out a signed and written payment plan for your debt reduction with your creditors.Good luck.