Rosemary Ennis,
Call your creditor and see if they can accept payment on this account. If they are interested to work with you, make a written agreement before paying them.
However, if your account has been sold to the collection agency, then you might have to deal with Credit Midland directly. Contact them and ask for debt validation first. If you are satisfied with the validation provided by them, make suitable payment plan.
Again make an agreement before paying, this is important. Keep all the records of your payment to them. And always send your letters through certified mail with return receipt requested. Keep us posted.