CITI/Sears almost paid off, PFD?

[MP14]

I've been paying 600 a month for almost a  year now to get this closed account paid off.  I send a check to the Attorney for them every month.  I am down to less than 600 remaining for my next payment next month.  Can I still negotiate a PFD?  Another question is if I have with PFD, the account is an 18 yo account, I'll loose that AAOA if it goes PFD, but is the score hit Im taking on them still reporting out 120 days late every month worse?

Any advice is appreciated.

[RobertEG]

You can certainly still offer a PFD, However, having paid most of the debt already, your leverage is greatly reduced.

I would pay it off, and then send a GW letter.

[MP14]

*edited, see below*

[MP14]

Anyone have success with citibank and  PFD or GW post debt paid?