| From past experience, I know that a lot of times they will use a lawyers letterhead and threaten you with the sueing possibility, but a lot of times it is not really true and they are just doing there job, to get you to pay the debt owed. They don't care how they do it. Have you tried settling for less than the amount? Sometimes this is an option to pay a portion of what is owed and they call it "settling" and then they will leave you alone. But, word of warning to you MAKE SURE you get this agreement in writing, and if you pay it, get copies of the check or whatever you paid it by. Then make sure you get a letter from them stating they are closing the account and the settlement was paid. Otherwise you cannot get it off of your credit, and it could go yet to another credit agency, who will claim ignorance of any knowledge of a "settlement" (trust me, I have been through all of this) | 
Linear Mode
