I just recieved a letter from the law firm of Bowman, Heintz, Boscia & Vician stating that "A lump sum cash settlement of $1590.00 is acceptable to your creditor. Make payment directly to this office within 5 days. Failure to comply may result in legal action for collection of the full balance due." The letter states it is regarding Creditor: Midland Credit Management vs ME. What do I do? They do have an office in Chicago so they very well could take me to court (I live in the burbs). If I pay this settlement, I have no leverage with Midland for getting it reported favorably on my credit report. Bowman & Heintz said they have nothing to do with my credit report, and Midland won''t talk to me. They keep telling me that Bowman & Heintz is handling the acount. I''m at a loss. This account wasn't disputed during my first round at Junum.