http://www.creditboards.com/phpBB2/viewtopic.php?p=63342&highlight=#63342 I sent this letter to the nasty CA via fax last week. I got a FedEx package this morning...ten minutes ago. I was scared to open it. Well I did, saw that it was from a lawyer out of Chicago. The letter states that basically that since I have not retained counsel yet, they have agreed to discuss the matter with me. They agreed to my request and offer to settle the dispute referenced in my Aug 12, 2003 letter under the following terms: 1. Wrangler will execute a full and complete release and settlement agreement releasing CA, its agents, successors, assigns, predecessors, attorneys, insurers, affiliates, associates, shareholders, principals, divisions, parents, subsidiaries, servants, officers, directors, employers, related companies, representatives, etc. of any and all liability, duties or obligations. 2. In turn, CA will delete the tradelines as you have requested and pay Wrangler $2000 subject to the executed settlement agreement and release. In addition, CA will agree to close Wranglers above referenced account and agrees not to sell, transfer, and or reassign Wranglers referenced accopunt to a lender. This offer is valid for 10 days. WOOHOO...I never believed that it would work. How should I respond to them? By letter stating I agree, or should I call since I do have it in writing? With this $2000 I could negotiate settlement on all of my other neg's and be clean!! If my DW will let me. Let me know how I should answer.