okay--I thought when you get a letter in the mail from a collection agency and they say you owe 'so and so'...that is what it is. I know, I'm confused and now I'm confusing you..LOL. okay, say you get a letter in the mail today from collection agency, it says you owe $2000. You write them back and ask for payment offer and they tell you that they will accept $100 a month. I thought thats what it was $2000 and $100 a month would take you 20 months to pay it off. In other words, I thought what they say you owe is exactly that, the amount you owe.
I received an email from Dell today.