Re: Help me spend $20,000 -- pay collections or nah?
You can get all of them paid with PRA and Midland. Each one deletes even if they settle.
Have a payment ready and call them. Give them a really lowball offer on all of them at once and start working your way up negotiating. Just start at 25% of the total and see what they say, go back and forth with them, but I'm betting, depending on age, you can get all of those cleared up for 50%.