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If you didn't sign a consent judgment, what did you sign? Have you ever been given a copy of it? In what way do you wish to amend whatever it was.
If you plan to pay off the full debt, then it should be easy to negotiate that agreement with the collection attorney. I am not sure what is meant by "settled debt"; however, in debt collection matters, everything is subject to negotiation. Upon receipt of the agreed payment, the attorney and you can sign a joint motion to vacate the judgment, and the judge will be happy to sign and order doing so. That should be better than simply paying the judgment as far as your credit score goes.
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