I have been able to work out arrangements and PIF letters with all but two of my accounts. 247advances.com will only talk to me via their website, which is odd to me. This is the first reponse i got from them:
The balance is $274 and $274 is required to pay the loan off - it will not be paid in full until satisfied. As a goodwill gesture however, we will accept a settlement of $200 as soon as you have a checking account available to take the payment from, therefore waiving all future interest.