Hey DV, i dont really have experience with this, had 1 collection pop up but luckily it was same creditor. That was fun

, but not . Anyway wish you the best. Ill just add that if the debt was valid and was ones responsibilty at one time, if possible id pay it full as its the responsible thing to do. At least youll have the debt paid as you go forth. I know there are so many paths to take on collections, pfd, settle,not pay, let fall off, but when mine poped up i was upset to say the least as mu rebuild was going great, but i decided to pay it completely as when i looked up my records i realized i did owe it, happened when i lost my last job a couple years ago, cell phone,.Good luck DV