My problem: Over a year ago, I was receiving correspondence from Asset Acceptance for two different accounts. They were offering to settle for what really ended up being a significantly lower amount, so I went ahead and settled (I hadn't been on this forum for a while and completely forgot about pay-for-delete, that's my fault.) I used their automatic payment system and not only do I still have the settlement letters where I wrote the confirmation numbers down on them, I still have the email responses with the date, amount, etc as well as my bank statement where the funds were withdrawn. Now, over a year later, I am still receiving phone calls almost daily as well as two letters in my snail mailbox offering to settle these same two accounts each month. I have saved quite a few of the voice mails (which more often than not is just someone typing and nothing identifying themselves, although caller ID on the message states Asset Acceptance - that is, IF they leave a message) as well as most of the letters they've sent. I have not talked with them yet, nor have I responded to any correspondence. I really have been waiting to see if they would take another step and send these to an attorney. Before I *do* anything - I wanted to check and see if I have any recourse...meaning, can I threaten them with anything? I would think that they would have already kicked this over to an attorney if they were going to...can I get them to delete these two TLs now since they are still trying to collect? Maybe an "I'll not sue if you will now delete these" kind of thing? Any options I can take other than arguing with them? I can provide the proof of payment, no problem - but I feel like I shouldn't have to since I was following their written instructions in the settlement letter. Any feedback is greatly appreciated!!