ER Solutions Will they come down from 60%?

Do you have something in writing from the company? Get your debt validated by them before you make a payment agreement? They are bound to follow the federal laws and prove that this is a genuine collection attempt on the said debt.

If you send them money now without having any documents, you are not sure whether it will get posted towards the account and won't go into their pocket. I will use some caution before sending the money.

I have all the paperwork. I called them, and they only wanted my money. They would not talk about any options. Anyone ever worked with these people??

I have worked with them. It all depends on who you talk to. Some will go out of thier way to make you mad, while others will actually help you. The helping ones are WAY to few though. Try calling back and talking to someone else. I did till I found someone willing to actually work with me, give me other options, and treat me as a human. Hope this helps a little!

First you need to consider this. They do not have to offer you a settlement. You can hold out and see if they will go down futher when you talk to them or wait another year or so and see if they send you another letter.