Charge Off Collections Help?!?! Sean? Christine?

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: I have seen advice given about charge offs and paying them.  
: The general consensus seems to be don't pay them unless you can get
: the original creditor to report the charge off as paid or remove
: it entirely.  The accounts have since gone to collections who say
: they'll report it to the original creditor as paid chrge off-bad.
: The creditors say that they cannot and will not report it in any
: other way than "paid charge off", as this would be against thier 
: policy and/or illegal. They won't take payment in full either, 
: they just refer me to the collection agency and refuse to discuss
: the account.  If they sold the acct to an agency, they've
: allready received whatever payment they expect to get. So why 
: would they take the time and effort to report it as paid if they 
: don't have the account anymore.  I can pay these debts in full 
: now but is it worth it?  They are only 6 to 8 months old since
: charge off. I have been on the phone driving myself to insanity
: with these people.  Can anyone help?


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