I just took the dive and decided to jump in! Just raised a payment to collection agency from $25 to $50 (balance now is $238.00-fingerhut)and another from $50 to $100 (balance is now $552.00-MBNA). Both are with the same collection agency. Phillips and Cohen--one collection is for midland which is fingerhut and the other is for hilco for mbna. I know some people have had problems with phillips and Cohen but I haven't. I am going to concentrate on the smaller one, getting it on out of the way-maybe just pay it in full next month if I can earn enough cc points.