IF you get your full credit reports from www.annualcreditreport.com, the lender or creditor will have contact information associated with it, you can call or write a letter.
If you can make a large lump sum payment, you may be able to offer a compromise; the collections agency may be willing to accept a lump sum of 75%-80% or so of the amount owed, if you can pay it right away, instead of taking 100% as small payments over a long period of time.
