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The customer service representative Bethy Legnly did not gave me a chance to talk at all or to ask any questions at all regarding how if I make a monthly payment will impact my credit. She only said that I have to pay in full to be deleted from my credit report or settle as agreed if I do settelement. When I ask her why I never received a letter from them she said That they sent me a letter to a previous address that I have not used for almost 7 years. She acknowledge me that They did acknowledge me by posting the account on the credit report!!!When I ask her if I make monthly payments are they going to report to the credit bureaus as paying as agreed she reply with no. When I ask her to talk to manager she refused to transfer me. She kept telling me that this impossible I and did not gave me a chance to talk I hang up the call. I called voluntarily to find out how I can resolve the issue and was treated as a trash .