offered settlement over email, need advice

here's the email, took out the name, address, personal info.

Client: 00000 - AIS Services LLC

Original Creditor: Mesa Financial

Current Balance: $ 350



Dear,



This letter is to confirm the settlement agreement that was made in the amount of $200.00



This Payment must be received in our office no later than 7/28/08.



Upon final clearance of this payment your account is continued to be updated as “settled in full”.

That is the email of the settlement.

couple things, should I ask them to mail this too me so I know its a legit official, document. They also wanted me to pay over the phone with a credit or debit card. i dont really like the idea of them using one of my cards, would rather send a money order.

what do you guys think?

It doesn't look like you have time for a mailed copy if the want the money by today.
Did you just receive the offer today?

yea recieved it today. i didnt realize they wanted it today either. i think they are baiting me into just paying the interest. they know i closed my account.

Yes it does sound like they are trying to trick you.
Why don't you try mailing them an offer with your own terms

PDLs typically give a window of time which is almost impossible to adhere to. Have you gotten back to them indicating that you just received the offer with no time to repond? You could always use a prepaid credit/debit card. That way they have no access to your personal info. The decision is yours as too whether you accept the settlement or not. It would depend on your circumstances and how anxious you are to be done with them.

it's up to you but i don't know if i would trust them.. they tried to pull that with me, too.
is this loan even legal? how much did you pay them and what do you legally owe them?

yes what state are you in?both entities are unlicensed therefore illegal,i wouldn't pay a dime without AIS validating the debt.that goes double for paying by phone with a check or
credit card#NO WAY.

I agree with Paul.................no time, no address =no money.