I would say to just let it fall off. There isn't much room for negotiating when you only owe $60 for a PFD. Most lenders look at debts less than $100 as nuissance debt and don't really pay attention to it. I think that the same goes for FICO scoring. I have one and only CO for $100 that is bring my score down by a lot. I already paid it, but they never updated it and don't really want them too. Just wonder if that debt was less than $100, but they made it to be $100 so it could ruin someone's credit. Evil evil..
