So...
Hey guys! I have a situation here that I don't know how to go about. Sometime last year (or possibly in 2010) I rented a couple of movies from Rogers Plus, and it turns out that I never returned these movies. Around February, I got a letter from I believe, Rogers or a collection agency saying that I owe 20-something dollars for these movies. Now this is where I'm stuck, I don't know if I should go ahead and pay this 20-something dollars back or if I should just leave it. Thing is, I've read how if you pay back what you owe to a collection agency or to the company that you owe, your ruined credit history is restarted and is ruined for another for seven years, but if you let it ride off, it won't make a difference for whatever remaining years you have left... So, what should I do?