Okay, so i'll preface this by saying, i did some stupid things along the way of taking care of this. See if you can find them all!
I had got served papers by the local sheriff, stating that i was being sued for a debt. The collectors were Morgan and Pottinger, in Louisville. (I'm in Kentucky)
I called them to see what the deal was, and they never really told me who it was that they were collecting the debt for, but told me i could settle. The total was ~$1532. I settled for $1000, just to get them off my back.
So i opted to pay $700 up front, then monthly payments of $100 for 3 months.