I come to a settlement agreement with midland funding about a judgement they have against me. My orginal judgement was for $3300 and they are willing to settle for $1400. They want me to pay over the phone and then they said they would send the necessary paper work to bring to court. Is this safe? $1400 dollars is a lot of money and I do not want to give them this money and then I am unable to get the judgement fix on my credit report.