Hello,
I owed $15000+ to American Express and it's been with collections moving from one to another for some time. I finally got a call from First Source Advantage and about a month later I was in a position to offer them a settlement, so I called them. They agreed to $3500 to settle the whole account. They emailed me a PDF letter stating the agreement. I have record of the email communications between us. Now, I see that the $3500 has been applied as a payment to my account at American Express, and the account is with another collector. So, is this typical behavior?