i got a call from pinnacle collections today and i am aware of the debt that they were asking for, and have been trying to track down where the debt had been sold to, so i made a payment plan w/ them over the phone to hopefully eliminate my poor credit eventually, but reading all of these threads i am getting super scared that i made a mistake! they lowered what i owed by a decent amount, but i need help knowing if this is legit...they went threw a company called "merchant credit guide" is this for real? did i just get scammed? i am so scared! is any of this legit?


