Per your request, this letter shall serve as notification that FMS, INc, acting on behalf of the client(s) listed above, has agreed to your proposal that the above-mentioned accounts (s) be settled in full. We will accept $678.36 as settlement in full on these account(s). THE SETTLEMENT AMOUNT OF $678.36 MUST BE RECEIVED IN OUR OFFICE BEFORE 2/21/00. Should this amount not be received by the date specified, this offer will be null and void and the balance of $2,713.43 will be due and payable in full. Should you have any further questions, please call..... _________________________ First of all, I just got the letter today and it's 2/21. Second, I did NOT propose anything!! PLEASE NOTE BEFORE READING MY QUESTIONS, I need to pay this debt off and try to get it removed as soon as possible because I am looking for a job. So the whole verifying the debt thing is not going to work here. I have to try to settle and get this negative removed. Anyway, the debt has come back as verifiable previously. Here are my questions: 1. The offer to settle is for a good amount but I am wondering since I live in Florida if they can come after me for the additional amount. I is not however for PAID IN FULL but for Settled in Full which doesn't help me any. 2. Shouldn't I be negotiating this debt directly with Providian. Has anyone had any dealings with them regarding settling the debt. 3. I want to make sure that they put PAID IN FULL on the account NOT Settled in Full and remove all derogs or delete the account. Can the collection agency do this or do I have to write directly to Providian. Appreciate any help.