<prompt> Human: Long story short: Recently I got a letter in the mail that Midland Credit Management bought my debt and are looking for me to pay them back. I checked credit karma and its on my record as in collections. I owe them 684 which Im guessing is from interest and missed payments because my credit line was only for 400. Theyve given me three options. I can pay 616 before the 30th, make 6 monthly payments of 108, or call and inquire about smaller payments. I was hoping to try and get it off my record, Ive heard asking them and writing letters can help. However, Ive also read to ask to pay less because some are fees. Looking for any advice, thank you!  <response>: Call and ask for a pay-for-delete. You give them 400-500, they remove the mark on your report. If they refuse, offer the full amount. This is so little money in the long run, I would be more concerned with getting it off your report than with saving a few dollars. If it doesnt come off, itll be there for seven years. 