I settled a $600 credit card debt with a CA. But unfortunately I did not know about pay for delete. I wish I had come here earlier. But the same card debt is listed on my report with the name of a different collection agency. What can I do now? I am already paying 2 installment loans and a few credit cards and that hardly leaves me with any extra bucks. I want to get it straight before this collection agency starts calling me again for the same debt. Are there any letters I can send now? Any help would be greatly appreciated.