I've just received a notice of debt collection from FMS Investment Corp on behalf of Palisade Collection; stating original debt with First USA. Several of the items in the letter match with other rip off reports on this site, such as using my tax refund to pay the debt and offering a generous (45%) reduction. I have never done business with any of the mentioned companies, and would really appreciate someone telling me what I'm supposed to do with this letter. The amount claimed is over three thousand, so I'm concerned. Should I reply or just pitch the letter and forget it?
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