I just talked with the collector. In order to give me a settlement, they asked me send 2 letters: 1. I no longer want to dispute this. 2. I require them to send the settlement letter to me.
Could you advise what I need to do now? Is it a trick or a real settlement? After I send the 2 letters, do I still have room to negotiate with them?
I got the contract that I signed. It only states that "I understand that I am responsible for all charges for which I am not eligible under the co's policy." It didn't state that I should repay it after I left the co, but my co said that I clicked the agree button which stated that. Is this legal binding? Please advise. Thanks a lot.

Is this part of another question? How old is this debt... the first letter (saying you no longer want to dispute it) I would not send if this is a very old debt cause they are trying to make the debt collection legal... basically asking you to agree in writing that you owe this money.

Oops. It is the continuation of the same topic of "Unfair debt collection from my ex-company". So what I need to do now?