Hello Bluvsu2 and welcome to the forums.
Yes, it is possible to negotiate with a collection agency either by paying in full, negotiating a lump sum or making arrangements to be on a payment plan. I was able to get two medical collections deleted from my credit files this way. I advise you write a letter to the collection agency with your offer to have the account deleted from your credit report in exchange for payment. Don’t forget to get everything in writing before you send payment and don’t be afraid to negotiate with them. You have a good plan. It’s never easy to pay old debt, so keep up the good work.
How is it going with the PNC Bank secured card? Was it easy to get? How has your experience with this card been so far?