Has anyone heard of them? I just got a letter today from them stating they have taken over my Debt from Chase in the amount of $10001 and I can make payments to them or go to their website and set up a payment plan. The letter came 3rd class mail which I found weird ( I actually work for the Post Office). Most important mail comes in 1st class. Anyway, what's my next step? Send out a debt validation letter? I'd like to make them a settlement offer, should I send them a letter offering what I can pay ( .40 cents on dollar in 4 payments)?Thanks
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