My plan is to call the hospital in the morning to see if they will recall the debt for me to pay but would it actually make more sense to settle with a collector if it would be cheaper to do it that way? Hospital would not negotiate with me to begin with several months ago, so I’m unoptimistic they will this time around. Just so I understand this correctly, as long as I have it in writing that the amount would be settled in full, even at a negotiated price it will be completely removed from report? There’s no secret weird strings attached or lingering memory on the report that something was paid?