I contracted with a debt negotiation company back in November 2001. To make a VERY LONG story short, they did little more than completely screw my credit. They did, however, negotiate with one creditor, Aspire Visa, for a 50% pay off. We received the letter at the end of February 2002, the DN company paid 1/2 the settlement directly to Aspire on 3/1/02, we sent the other 1/2 of the settlement to Aspire via Western Union on 3/2/02. Something weird happened and our WU payment was credited and then taken off our account and then who knows what. Anyway, over the past year (March 02 through June 03), we have been fighting with Aspire. They sent us late notices, kept reporting us, etc. throughout this entire time. I have documentation of every person I spoke with. Eventually, (June 2003), Aspire finally acknowledged their mistake and brought our account to a Zero balance. They sent us a short, fairly vague letter telling us that the whole matter was straightened out, the CRAs would be notified, and they sent us a $50 Wal-Mart gift card for our troubles. Well, as of now, Aspire is still reporting on both of our Exp reports. We have disputed the TL, we were told that Aspire had verified, we called the woman who signed the letter from Aspire (we can only get her voicemail), and it still remains. Do we have a lawsuit against Aspire? If so, what's our first step? We don't have money to pay an attorney. We would like to proceed ourselves. Any feedback would be appreciated.