I need some advice. I called Zwicker after getting a letter from a third party who said they could help me pay off my account (in default) if I gave them money and they stated that I would be getting a summons in the mail soon for a suit. They said they wanted to help me pay this to avoid court.
Zwicker said they had no idea how this company got that information and told me if I didnt pay a substantial amount (30%) $650 of my balance $7000. and agree to a monthly amount that it would a suit and that the papers were already sent to the court.



) and I am a few months late on paying anything on either one of them. Citi has sent me settlement letters on both accounts offering to settle for approx. 25% of the total balance (approx $5k on each of them).