The text is basically: "...At Cap 1 we want to work with you to help you pay off the outstanding balance on your charged-off credit card account. In fact, we can help you settle this debt today for as little as 50% of the balance. Simply call our solutions team at NCO Financial Systems....." it also says,"Ps..this offer expires on 9/26/03 and is available only by phone." Then in fine print at the bottom it says, "This letter is for informational purposes only. This letter is not a demand for payment or an attempt to collect , asses or recover a claim against you that arose before the commencement of your case." WHAT THE HECK IS THIS??? I thought Cap 1 sold the debt to NCO, the CA. Doesn't that mean they can no longer send me mail like this? Plus, Cap 1 pulled a hard inquiry in May, when NCO sent me a settlement offer letter. About 48 days ago I sent NCO a validation letter...I FINALLY got the green card back 4 days ago. About a week after I sent it, NCO started to call me about 8 times a day, even though in my letter I stated not to. they also never validated the debt, now I get this letter from Cap 1. I am confused! People on the forum said I should sue NCO, but I don't want to go that route. Plus, what does the phrase "that arose before the commencement of your case" mean? What case? I have not filed BK nor have I had judgements against me. I appreciate any words of wisdom any forum members can give, as my brain has melted.