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Pay collection or Not? please help


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Hello,

I have a question for you, I have an unpaid collection that is $77.00 dollars. I spoke to CA who said they will delete the account a year after I pay the debt. The OC is the Public Library, CA is Unique management. The library said that I can submit payment to them, but the CA said they still will not PTD because of company policy. Should I wait and let this fall off in 4yrs of pay it off. I would like to purchase a condo next year.

Thanks in advance.

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I would pay the library and then send a DV to the collection agency, all the while challenging with the CRAs as "not mine" or "paid before collections".

I wouldn't pay the CA unless they agree to a PFD right away. A year from now is a BS line, why does it matter if they do it now then?

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