I say, bring it on! They sent me a letter too. Never had any account with Marine Midland Bank or the other Co. S&P Capital Investments (original owner of the note). They say I owe $1212.20. I even called them but they have not called me back. It would be nice to lead them on for a while and then stick it to them. I will still send a letter of CD and add some spice.
Furthermore, I will call the appropriate State and Federal agencies.
Like I said, "BRING IT ON"!
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