If you are ever on the phone with a debt collector and want to pay your account off at the lowest possible amount, ask for the lowest blanket settlement in full.

Also, every time a debt collector violates a state law or fdcpa guideline, you can sue them for 5,000 for each time.
1. Read up on the FDCPA
2. Wait for unsuspecting debt collector - listen for shaky voices, ums and ahs to find a new collector on the floor.
3. Set up recorder and coax the collector into breaking a law.
4. ???
5. Profit.