They told me I owed 2,433.20 but if i chose to they would settle with me for 1,386.92.
I would do 4 installment payments of 462.30 starting next week for 4 months. They also said the amount discharged will be reported to the I.R.S.
They are out of florida. should i validate even though i know i owe this bill from card services AKA Spiegal?


