Next step w/ Handling Sagamore PDL

I sent out all of my "Illegal Lender" lettes to PDL's. Most have left me alone or given me paid in full letters. However Sagamore is the only one that i actually still owe money to. I borrowed $250.00 and made 2 payments of $75.00. Under my law in Illinois all i owe is the additional $100.00 towaards principal.

I received the following email this morning and now i am unsure what to do? I know that i do still owe the $100.00 i just am not sure how to get it paid off? Thanks!



FOR INTENDED RECIPIENT ONLY‏
From: Locke, Butler & Associates ([EMAIL="legal@acrnf.com"]legal@acrnf.com[/EMAIL])
Sent:Thu 7/15/10 12:55 PM
To:

Locke, Butler & Associates



[RIGHT]800-673-8691[/RIGHT]



4955549


Original Creditor: Sagamore
Current Creditor: NCA, Inc.
Original Account #: 122534763203
Balance: $ 430
File #: 4955549



This is a demand for payment of the original debt incurred by you. The debt identified above was placed with this office for collection. All of your rights and obligations regarding this account have been assigned to this office.

Your past due account is currently being reviewed. You may choose to resolve this matter with one of the following options: (1) You may pay the balance in full in the amount listed above or (2) You may contact this office to make an acceptable payment arrangement or (3) You may pay your bill online at www.acrnf.com click the “Pay Your Bill” tab.

You may contact this office at (800) 673-8691, Monday through Friday 9:00am-5:30pm EST.

Please refer to our file number indicated above.

Unless you notify this office within the next thirty (30) days that this debt, or any portion thereof, is disputed, we will assume the debt to be valid. If you notify us within writing within the next thirty (30) days that this debt, or any portion thereof, is disputed, we will obtain verification of the debt or copy of a judgment against you, and a copy of such verification or judgment will be mailed to you by us. Upon your written request within the next thirty (30) days, we will provide you with the name and address of the original creditor, if different from the current creditor.


Federal law requires we notify you this is an attempt to collect a debt; any information obtained will be used for that purpose. This communication is from a debt collector.


Sincerely,


Ronald Jericho