I sent collection agency request for validation. They responded with a letter showing itemized medical bill. Then they sent me another letter stating that I should pay the balance in full within 10 days. Now have received another letter stating that if full balance is not paid within 30 days, they will report this to credit bureaus?

I contacted the collection agency by phone and offered to pay a monthly payment untill the balance is paid in full but asked them not to report the collection to credit bureaus. They are adamant that the reporting will happen unless I pay in full within 30 days.

If I do the payments and not pay the full amount within 30 days, they will still report to credit bureaus.

What's my recourse? What do you suggest I do in this case?
Thanks and I hope I can get your feedback!!