The account is mine, and the amount in dispute ($150) is a matter of he said/she said. (I cancelled service, they claim I cancelled it one month, I claim I cancelled a month earlier...cancelled by phone, so no proof.) I contacted Verizon's Recovery Team (internal), where a very nice man offered to remove the entry from my credit report if I just paid the amount outstanding to RMA. He dodged the question, but it appears that RMA is servicing but does not own the debt. I asked for this in writing, he refused. I know this is a bad sign. My questions are as follows: 1) He's lying, right? Has anyone actually had them delete under these circumstances? 2) If they won't put anything in writing, and won't sign a delete for payment letter I send them, then is there any benefit/harm to paying anyway? I lose my leverage, but do I really have any? Is a paid charge off better than unpaid? Will they sue, if I ignore this? Thanks in advance for any help/direction you can provide. I really want this as "gone" from my reports as I can, but I don't want to do any inadvertant damage.