I have always heard that if you have a collection agency on your tail, you can subdue them by paying even 1 dollar a month. This does sound ridiculous, being that youll still owe the debt for a long time (as long as it takes for 1$ payments to pay it off) but....in a situation where I literally cannot afford to pay, will the 1 dollar a month payment plan have any positive effect on my credit or is just a bunch of hogwash?