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Stuck dealing with Lanak & Hanna PC. Need advice on settlement vs credit repair.

So Lanak & Hanna PC has been calling me non stop about a credit card debt from a couple years ago. I finally picked up and they mentioned something about “debt settlement strategies and credit repair” as if they were trying to help me. But from what I’ve read, their main goal is just collecting.

I started researching and found this breakdown of my rights and options: https://consumerlawfirmcenter.com/calls-from-lanak-hanna-pc/

Now I’m trying to decide what to actually do. If I settle with them for less than I owe, I know it will show up as “settled” or “paid for less than owed” on my credit report. That sounds like it could hurt me for years. On the other hand, a debt management plan would keep my account in good standing but takes 3 to 5 years to finish.

Has anyone here successfully settled a debt with Lanak & Hanna PC and then later removed the negative mark from their credit? I’ve heard about sending a goodwill letter or disputing errors but not sure if that ever works with a law firm like this.

Just looking for real experiences before I make a move. Thanks everyone.

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