It's been too long since I've called in to pay off a debt, but did so this morning. It was for $400 for orthotics my wife had gotten several years ago. I figured we just threw them out on Saturday, we should probably pay for them right away.
When I called the debt collector, I explained that I wanted to settle the balance. They were more than willing to take the full amount, but I asked them if there was a way to negotiate a smaller amount to settle. Janice (the debt collector), spoke to her manager and was able to bring it down to $320. That was fine with me, though she then wanted to charge me $12 for an "expedited payment" so the debt would not negatively affect my credit. I told her it's already on my credit and asked her if I could pay online or by check without that fee. I was able to online while I kept her on the phone, saving the $12.
Overall, it feels good to say goodbye to one more debt! My wife's latest orthotics that we picked up on Saturday were "free" since they are covered by our health insurance this time (as well as my orthotics).