<prompt> Human: I am negotiating a PFD with a collections agency after they had verified my debt. They agreed to delete their reports with the credit bureaus as soon as I pay in full. They scanned me this letter that I have attached. Is this letter enough security to cover me if they dont hold up their end of the bargain? What do I even do if they decide to not delete the debt. Also can I just pay this debt with my debit card over the phone now that I have this letter? Thanks yall!  <response>: I cant speak to the letter itself, however I would not give them your debit card number for payment. I would send them a money order or cashiers check trackable mail with return receipt requested. Collection Agencies have a tendency to lie or forget things they agreed to. Ive heard stories where someone gave them a debit card number and the amount taken was more than agreed to or ok to begin with but more taken later on. Sure it is illegal to do that but why take the risk in the first place. 