I have a couple collections and i have called them to get a paid for delete which they wouldn't. i know i should've sent letters first but this is before i knew that. I also asked them to validate the debt and they have also done that to. I have the money to pay them, but my question is do I do a paid in full or a settle. Also if i settle can i ask them to mark it as paid in full. Should i ask them for a letter first. or i heard from some that there was paid in satisfactory. last question is i have been seeing a lot of these things on forums and youtube about a letter you can send them and they will remove the collections like magic. I'm sorry for all the questions I'm in a little rush to get this all fixed.