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Thank you for your question, Charles, and thank you very much for requesting me again. Please allow me to assist you if I may.That depends and it is a good question that is related to who now 'owns' the debt. If they sold your debt to the collection agency, something that they can do, then you have to pay the party who own the obligation (the agency). You can still reach out to the creditor (the company) if they own the debt, and ask if they are wiling to work out a separate arrangement. But please be advised that an agreement signed in court is binding against you, so if they agree to change the terms, they would need to reduce it to writing and in the agreement state that the parties both agrees to no longer be bound by the court agreement. Otherwise regardless of what they may offer you as an option, you would remain responsible to the agreement signed in court. So if you end up paying directly without them rescinding the agreement, you would be considered to be in breach.Good luck.
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