Do not forget that you have the right to sue the collection agency if they abused the Fair Debt Collection Practices Act.If they were deceptive,unfair,or abusive,and you have documented your case,it is a good idea to do that.
Creditors and debt collection agencies are frankly quite surprised when they get sued,and it is very expensive for them.
When they review the dollars they are trying to collect from you,it is almost always in their best interest to settle with you.
If you do sue and get a settlement, the most important term to get in your settlement is that they will have the collection proceeding removed from your credit report.
They can have this negative information removed, and you can start over with a clean slate.