If you can't get a PFD, the next best option is to have it closed as paid in full. Even if you technically settle, you can still potentially get the CA to agree to have the account recorded as paid in full for a partial payment. But you must get in writing that the account will be closed as settled, and that the CA agrees not to sell the remaining balance to another CA. Having an account closed as paid as settled hurts your score and your profile because other creditors will see that you did not fully repay outstanding obligations. But as Intuitive1913 hinted at, just because they told you no this time doesn't mean you're out of options. Unless there is a pressing need to have it paid immediately (e.g., to clear a mortgage app, if the CA sues you), then just keep trying. Search online for names of different people within the company to contact. Search these threads or just say what CA you're dealing with, chances are somebody on here has some information that could help you. And as guiness56 asked, you need to know the DOFD and SOL on those accounts, as those greatly affect your leverage (or lack thereof).
