<prompt> Human: Ok so Im a bit worried. I have agreed to to pay off a medical debt and I have settled on an amount. However, they refuse to send me a written agreement. According to them, they dont draft agreements and only send in receipts. Is this normal? I feel very uncomfortable just sending them money, as I dont trust debt collectors at all. I live in virginia. Is it my right to get a written agreement? How do I know if they will honor my payment? The collector is the one listed on my credit report, if that helps.  <response>: Then tell them no thanks on the deal. Let them simmer a little longer and they may become more agreeable. 