I allowed one of my cards to go into collections, looking for advice

Long story short: Recently I got a letter in the mail that Midland Credit Management bought my debt and are looking for me to pay them back. I checked credit karma and it's on my record as in collections. I owe them $684 which I'm guessing is from interest and missed payments because my credit line was only for $400.

They've given me three options. I can pay $616 before the 30th, make 6 monthly payments of $108, or call and inquire about smaller payments. I was hoping to try and get it off my record, I've heard asking them and writing letters can help. However, I've also read to ask to pay less because some are fees. Looking for any advice, thank you!