Who we are The PayLine does not own or collect on your debt. We are not a collection agency, credit card company or lender. The invitation that you received to visit this website came directly from your creditor or from the collection agency or entity engaged to recover this debt. The PayLine is an online system, designed to help you maintain control of your debt and negotiate a payment arrangement from the comfort of your home electronically, on your own schedule. It empowers you to resolve problem debt with dignity, without the pressure of speaking with a collector on the phone. Our Mission PayLine strives to provide first class technology solutions that empower consumers to engage in resolving their debts without the pressure of collection calls. It is our passion to provide a stress-free online experience that incorporates dynamic options that facilitate the amicable resolution of debt.