PLEASE! DO NOT ACCEPT ANY GIFTS OR CREDIT CARD OFFERS,OR ANYTHING FROM "ANY" collection agency! These agencies specialize in buying old debts, or debts that are past the statue of limitations! Before you do anything, PLEASE check the Statue Of Limitation or SOL, which is the time period that a creditor, or collection agency is given by the government to be abled to "legally" collect on a debt by way of suing, garnishment, etc!, for your particular state as each state differs!These folks are trying to get you to either pay money, or agree, in writing, to pay money so that if it's an old debt, say 6 years or longer since it's gone into default,then they offer to "HELP" you repair your credit by offering you a credit card, a gift, in order to bait you into making any type of payment, even a penny, or agreeing in writing to a payment plan, then, they can "re-age", or renew the debt, thus making the debt current, within the statute of limitation, and thus legally collectible! NEVER admit to the debt!, DO NOT CALL THEM ON THE PHONE!!!, this is due to the fact that if they can get to talk to you, they are good as laying guilt trips on you, scaring you,making false promises to you, or manipulating your current emotional state to their benefit! All you must do is write them a letter disputing the charge within 30 days of receipt! Make them provide you with all validating information about the charge,, and if desired, request that they not contact you again unless they are providing information concerning further action on their behalf!