I would like to ask for some expert advise. I am seeking 1 or more advisors about 1 collection item that I have never addressed in this forum, but I want to handle it privately because there are some details that I don't out there publically in this forum. I don't think it will require much time or many back and forth repsonses. Just some general advise. I've learned a lot here, and I have some information and understanding to work with, so I think that will help makes things go smoother and quickly. But I need help in understanding this particular situation and the best advise on how to handle it. Please PM me, and I can give more details. It is a collection thing, not a court or judgement. And I think it is easy for an expert, there are just facts about it I don't want made public. I appreciate your help. Thank you.