I have been fighting with cash call over a western sky loan for a week or so now. I asked the lady to send me validation of the debt and she said she will send me a permissible letter... not sure what that is but I don't think that validates they can collect on the debt in my state (NY). I offered them a payment plan through email and they haven't answered. What should i do at this point? should I write back to whatever thing they are sending me in the postal mail?
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