Ok so i desperately need the help of fellow credit junkies out there! I am working SO hard to clean up my credit, man I wish that it were as easy to fix as it was to mess up! Here is my delima, I have 3 accounts with MCM. One is for $715, one is for $1182 and the last is for $1134. I have called MCM 6 times and left 3 vm for my "account manager" He never called me back. When I call and ask to speak to someone else, they tell me that I can only talk to my account manager. So today, I called for a 7th time and FINALLY got a hold him! I asked him for PFD, yes I offered to pay the full amount. I DID NOT admit to the debt being mine, but they have verified all 3 debts. After getting nowhere with my account manager other than the standard 40% off that they offer everyone, I told him that since they were not willing to do PFD that I would not be able to pay. Does anyone have any ideas on how to get a PFD for Midland Credit Management? I would assume that for the full payment they would have been willing to do this. I have also left a vm for the divisional manager and no response! 
This is really depressing and KILLING my credit score. Any advise would be greatly appreciated!
Thanks!