use visa debit cashpay card as credit

Sometimes, the collection agency won't even be licensed in your state to collect = deletion from credit report.
You are the victim here and you are trying to make the best of a situation that you didn't ask for or deserve.
They'd love that indeed -- may be an aspiration too, surely it is.
As far as purchasing on land contract, I would need to get more specific information before giving a response on that.