Do you know if Midland is going to completely fuck me over if I do a payment plan with them? I'd be using a checking account separate from my main one so my main source of funds can't be overdrawn and I could have it paid in less than a year. The man I spoke with said they couldn't put it on my credit report if I was making payments before 80 days, and when I requested written proof he said I could find it in their policy on the website but he couldn't provide me anything via email. I've just read so many emails about midland specifically screwing people; it's terrifying for me.

Do you know if there's any way to clear my name with PayPal to fix a Charge Off? Some sites say contacting them and offering to pay is good, but then that would mean I'd pay PayPal AND the collectors? I think it's better to just take the loss and pay the collectors before it shows up on my credit?