2. If then do not agree, ask a debt attorney for help. I have a few names if you need. Usually it cost a few hundred or $2000. But it worth to protect your credit.
3. Any collect in credit report will make your credit score low. If you do not buy house in 3 years, you may do nothing. After 3 years, the $80 colletion will not affect your credit too much. But if you wull borrower no security loan, jumbo loan or business loan. It will affect a lot.
Good luck