I need a settlement letter to look over,and also is there a difference between a STIPULATED settlement and just a settlement? What should I include in the letter that I want them to sign? They are not reporting on any CR's. Do I have them say SETTLED? SETTLED IN FULL? PAID? I also need to write up something like the JDB cannot sell,transfer, assign,(anything else) this account.As for this as well the JDB had SO many account numbers do I put each and every one and also the OC name on the letter?Basically I need to have something in writing that this is a DONE DEAL FOREVER It is killing me enough just the fact in me calling them.. So I need some negotiating strategies and want this to be a DONE DEAL,and not be bothered with it ever again. Thanks Woofer