mcm

I have been paying on a debt with MCM for about three years now. When I started, it was at about $21K, and now it is around $9K. When I got started with them, someone there who seemed "nice" told me that if I just add a few extra dollars onto the agreed upon amount every month ($300), that the debt won't be transferred to another department where they call and harass for full payment. Every month, I've made my payment, without fail, and have never been late, and they've pretty much left me alone and have just sent me a statement every month. I'd like to offer a settlement of about $1500 or so, just to get it out of my hair, but since they are so shady, I'm afraid to open up a dialogue with them and am wondering if I should just leave well enough alone and keep paying every month. Not sure if I should "upset the apple cart", so to speak. What do you think I should do? I'm afraid of these people due to all of the horror stories!