Hi there. Checking my husband's CR today, and he has one collection from Unique National Collections from library fines around $100 (for materials he is pretty sure he returned before we moved, but ah well), from 2008.  I've looked into this agency, and apparently they don't actually accept payment - you have to pay the library itself.  Also, if you pay the library, UNC almost never removes a debt from a CR (though they reportedly remove after a year instead of 7). 

Anyone know, since we have to pay the library, can we ask for PFD from them, or will it be invalid unless it's directly with UNC (though they don't take payments)??  Confusing situation. 

Thanks!