<prompt> Human: I dont really want to negotiate over a couple of hundred bucks, sending certified mail, etc. etc. for the next few months... so, Im just going to pay off the debt in full. Whats the safest way to do this? Cashiers check? Do I send the check and request written receipt that the account is paid in full? Anything else I should do to protect myself?  <response>: If you dont want to effect your credit, dont pay it. Negotiate that theyll take it off your credit history so that you dont have a paid past due debt on your credit report.Good luck. 