Thank you I reached out to them this morning and tried to see if they would accept payment plans , they said they only have my account until next mth bf their service contract with ATT ends and it goes back to them, should I pay with ATT or them is my question , they did assure me that since it was so early in collections it would not be added to my reports but the amounts are so expensive and I never recieved my final bills so I told them I didn't agree with the amounts but I want to to everything I can to keep it from reporting , they said it's too early to settle for any less than orginal amount , which I have no way to pay in the next mth so im stuck don't know what to do , I'm gonna try to call att and see if I can set up some arrangements with them .