The debt is down to $1500, and I could pay it off in full now. However, I'd rather negotiate the amount down, ideally getting the debt deleted from my credit report. I already did a DV and they satisfied it. Would it be ok send them a settlement offer letter? I've never stated that the debt is mine, and the statements they mail to me every month say they don't have a payment agreement with me but they'll accept my monthly payment. *Caveat - my credit report is monitored by a 3rd party doing an employment background check on me, so I have to mitigate this item. That means I can't just let it fall off or invoke statute of limitations on it.