If the collection agency refuses a certain amount, does the agency mark the bill paid in full?

No. But if you put "paid in full" on a check and send it with a letter saying you have "paid in full" they agree to these terms if they cash the check. Just save a copy of the check and the letter.

You set the ammount. Most of the time they will take it.

Probably not. The collection agency could take a lesser amount but they may mark the account on your credit reports as "settled" or "not paid as agreed. " If this is the case your credit score will not change because a settled account is still considered a negative account.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.