M.M.
You can not be turned in to collections as longer as you are making payment. I had a medical bill that I didn't agree with because it was a follow up that was not included in surgery price but anyway, I paid only $25 a month and they had to keep it out of collections.
Also, legally look up "acord and satisfaction" (accord, not sure if one c or 2). We tried this but the company was out of state and you can not take an out of state company to small claims without filing in that state and traveling there. Basicly, we were told if you write that in the check memo and they cash it then they agree that bill is paid. Like I said, look up exactly how it work because it didn't work for us because we dropped the issue when we found out we would have to fly to were the company was.