I called them up because i have a citibank card that i had not paid in about 10 months. I offered a 50% settlement and they wanted 66%, i countered for 55% and they accepted it. I know they are the collection agency because i was given their number by citi and they had all of my info when i just gave them my name. I can pay this, but am wondering if I should wait them out and get a better deal when the account is sold to another agency. The rep told me the account was placed in their company in February of this year. The balance on the account is $21,000