<human>: Give me a shortened version of the text

Hello r/debtfree. 

I'm hoping you can give input. I'm finally going to start paying off my debt, and I'm strangely scared of these guys. I'm afraid that I'll call this company tomorrow to pay off my debt, and they'll surprise me with extra fees, or act bullying, or threaten that if I don't pay immediately they'll sue (it's happened before). 

This debtor I want to call tomorrow is "Merchants Credit Association." They've purchased 4 of my misc debts that total $1240. They call me at least once per day at random times.

**The Questions: What do you think I should do? How would you go about cleanly paying them off, and ensuring they report it as "Paid in full?"** 

**What is the best way to go about approaching these debtors? email? Phone? Debit Card? Cashiers Check?**

I want to pay off my debts 100% in good faith, and ensure that all debtors report it to the "Big 3" credit companies in a timely manner. I've just heard so many horror stories, and I really don't want to throw away $1240 tomorrow, or be surprised with $500 in "processing fees" or some other random thing. 

I have approx $15k total in debt. 9k in college loans, 2k in medical, 4k in misc credit cards. 

Thanks if you've made it all the way through this post. Any advice you have will surely help pave the way to a future clear from debt! 

Thank you, 
RAC
<bot>: I owe $1240 to a debtor who bought 4 misc debts. How do I ensure they don't screw me?***