How can i negotiate a credit card debt collectors i cannot pay?

My name is Lawena. I live in Hawaii. I’m a single 28 year old female with major credit problems. Just recently, I have attempted to get this under control. I don’t know what to do or what should be my next step. Please help me. Here’s a little of what happened so far.

I received all 3 credit reports. My credit score average is 576. BAD!!!! I’ve had three credit cards when I was 18-22 years old that I have neglected. These accounts were charged off and have since been issued to a collection agency. These balances are 1600, 5500, and 6500. Within the last month, I went over my credit report and paid any small delinquent accounts that I could. One of them reflected that I paid it in full. The others are still on there as they originally were. My question now is…..how do I go about negotiating with these collectors? I don’t have the money to pay them in one payment in full. Can I work with them on a payment plan? Will my credit score increase? Should it increase because I cleared some of the old debt that I had?

I have two credit cards presently. They have small limits but I keep them balance on both of them very low. Thank you so much for any help that you could give me.
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make sure the two you have report to bureaus. 1
work out a payment plan if you can.
if you can't, then tell them and go on.
they usually have to charge these off.
Use the debt validation letter on anyone that might try to collect on these accounts in the future