So after doing a little research I have found that my account was with a previous collector and this new collector has a name that resembles it may be a law firm. I am going to check when I get home exactly who they are and do a little research. If this is the first correspondence I have had with this collector, do I just need to ask for validation? Will that delay any possible lawsuit that they are threatening me with? Would they really sue me on a $2800 debt? I made an offer to pay $1700 lump sum today and they wont go any lower than $2591. What should be my first steps in handling this? I am going outside of my debt settlement company to try to get these scumbags off of my back.