Thanks to this great board and another member sending me an example PFD letter, I am on my way up! I have 2 collection accounts - they both show on two reports from CRA's and one is the only one on another CRA report.
One was for an old Patient First debt that was originally $45 and after the years and being passed around to different collection agencies, the current amount is at $100. Receivables Management Systems holds this account and I PFD'd them through email on 5/3/11 and YESTERDAY I received a signed response letter saying they agree to delete the account from my credit report after receiving my $100 payment! 
So, I will be sending that payment out at the beginning of the week.
But how should I send the funds? If I do it by personal check, they have my bank account information. If I send it by money order, I don't really have any proof. So what do I do to pay them and have proof?
The other account is also from years ago. It was from a cancelled cell phone account from back when AT&T Wireless was Cingular, originally $180. After being sent to multiple collection agencies, the total is now $245. I sent them a PFD through email on 5/3/11, as well as a certified letter on 5/5/11. I didn't specify an amount, but asked for a settlement amount. I am awaiting response from that.
After YEARS of ignoring my credit downfalls and stupidity, at 30 I am finally addressing them...and it feels great! Glad to see that with some effort and persistence, I can eventually come out of this!
