Ok, so I just received a letter in the mail for an old unpaid utility bill that has been sent to Alliance One for collection. I'm wondering what my best course of action would be from this point on... I guess my first question is whether or not it has already been reported on my credit just by being sent to Alliance One? If so, should I try to negotiate with them to lower the balance and/or do a PFD? Should i do this be telephone or through written correspondence? Thanks in advance for any help that you can offer.