Most collection agnieces are legitimate. The issue is that they use the scare tactic to make you pay for your debt. All collection agnieces need to follow the FDCPA guidelines when collecting a debt from a consumer. Unfortunately, they dont always follow it. If the collection agency bought your debt for less than the amount owed. You are still liable to pay the entire debt off. Most of the time the collection agency will offer you a settlement anyway. Just make sure that as soon as you pay of that debt with the collection agency, make them send you a document showing that your debt has been paid or settled in full with a zero balance.