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I have a debt being handled by law offices of Mitchell Kay in excess of $20,000. They sent me a letter a few weeks ago (7/31/08) stating that they would accept my repayment plan of $100.00 per month (a figure I gave a representative a month ago). Now they're saying they would never have agreed to it and that the letter was obviously sent in error. They are in New York. I am in California. A subsequent letter (8/1/08) acknowledging receipt of my payment also mentions the monthly $100.00 payment plan.

Are they bound to the terms of their own letter?? I am already trying to avoid foreclosure and cannot possible pay anything more that $100.00. What do I tell them when they call back tomorrow to insist the letter is not valid??

Thank you!

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