If the debts are still owned by the OC, you have the opportunity to accomplish three things... satisfy the debt, get possible deletion of the reported charge-off,and avoid an additional collection.
Offerng a PFD would thus be my recommendation on the unpaid debts IF it is still an option.
However, it might be a bit late to offer that incentive of paying in full in exchange for CR deletion of the CO if you are already under an agreed payment plan, as you would already have commited to payment without their need for any additional concessions.
Thus, options may depend upon whatever agreement you are currently commited to........
If PFD is no longer an option, then whether to pay off earlier than agreed or continue to make payments would depend upon the terms of your current repayment agreement.
Is interest continuing to accrue, or do you have agreement for a preset, total amount of repayment?
Does your repayment agreement include any agreement not to refer for collection as long as its terms continue to be met?
Are you planning to app for new credit prior to the final repayment, and thus have a need to show satisfaction of the debt before applying?
