First, thanks for the great information I've found on this forum! I've been able to take care of loans I had with Plain Green and Mobiloans using advice on here.
I borrowed $700 from Blue King and have paid $630. I emailed them, revoked my ACH, and have taken care of it with my bank. However, they've emailed me back saying they'd settle for $250 and if I didn't pay by Oct. 30th, I would owe $857 (original loan + interest). How should I respond to them? Any suggestions of how to word the email? I'm worried if I decline their offer,they'll come after me for the $857.