I am about six months behind on four credit cards and I have contacted MMI a credit counseling company to set up a debt management program that will allow me to pay off my debt in a couple of years; however, I just received two notices from two separate collection agencies advising me that two of the four accounts are now in collections. Will MMI send monthly payments to the collection agencies as they would the creditors? and if so, once paid will I be able to have the paid accounts removed from my credit report? I have been reading about pay for delete letters that have worked for some in the past. Any guidance would be great! Thank you!