I never recommend a consumer paying any debts before contacting a lender who is a credit specialist first. The reason is clear. In most cases unless you are successful in negotiating a settlement AND getting a letter of deletion, your credit score can actually go down. It never seizes to amaze me who people in this industry haven't learned that already.
Your credit repair has to be carried out on a two prong attack. First consulting with a lender who has Computer Programing Tools to correctly analyze which collections or charge offs (if any) should be paid off now and which ones can be paid through escrow. And second, there are sure fire ways to boost your scores within 30 days. PLEASE read my article(s) about this subject before you make another move. Then contact a good lender with credit restoration experience.
Best of Luck!