Help
This company out of the blue is taking me to collections and ruining my credit and I don't even have a contract with them. They are harassing me and sending me collections letters stating that I can have a SPECIAL ONE TIME SETTLEMENT OFFER AND PAY THEM 233.55 by a certain date and they will release me from further obligations and not give me bad credit. Can you imagine; I have never heard of them before these letters. What do I do??
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