Owe collection agency $800 from car being impounded, call one and they say it will be reported on my credit report, they say if i remuneration balance or make payments on statement when it is paid in full they will delete past its sell-by date my credit report, my credit already suffers already at 550, should i pay it? Would they most likely clutch a lower amount of what I owe?

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Answers:    You should definitely pay it if you can. You can try negotiate, but they're not required to take less. If you trademark a payment plan, be sure to stick to it, otherwise it'll only obtain worse.
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