Me neither.

It boils down to this -- I have perfect credit, and I work very hard to maintain that. Before this situation, I've never even experienced a "collection agency," and I really am not familiar with what they can/cannot do.

I own a business and do have a few nickels to my name, so I just wanted them to leave me alone. That's why I paid.

I suppose I could have fought it more, but it wasn't worth my time.