I found this site too late! About 2 months ago I "settled" on a debt, paying a chunk of it to the collection agency and figured it was done with. Was I fooled? Do I still owe on this debt?
tough to say. did you get anything in writing? is it still on your reports? and don't worry, we all make mistakes.
I got a letter in the mail, checked out the agency to make sure it was legit and then called and paid *sigh* I still have all the "approval" information and such... I do need to pull my reports again within the next week or so...
