Many of you know of my ongoing battle with Ford Motor Credit so I'm not going to post all the details here. The summary is my car that was financed with them was in an accident in 1998 and was a total loss. My insurance company didn't pay all the balance of my loan. At the time of the accident my loan balance was about $8,500. My insurance company paid out but never told me there was a deficiency. Ford never said anything to me either for 2 1/2 years. In March of this year I got a notice from an attorney trying to collect $2,011 for the balance of the loan. That prompted me to get a copy of my Experian report where Ford was reporting the car as repossessed with an $8,500 balance. The repo is on all three reports. I mailed a validation letter to the attorney at the end of March (they have the standard "This is an attempt to collect a debt" on their letterhead). I've heard nothing until today when I get a letter from the attorney that says nothing about my validation letter, but is asking me to call their office to discuss reduced cost settlement terms. Here's my question. I thought that once you sent a validation letter, the collector was not allowed to communicate with you any further until they provided validation. Since their first communication with me after I asked for validation was a settlement offer, have they violated the FDCPA? In their letter they old me the account would be marked settled. If they had told me the item would be deleted I would just settle and be done with it. Do I write them back, ignoring the fact they haven't provided validation and suggest a counter offer (paying them in exchange for deletion), or do I tell them they've violated the FDCPA and restate my demand for validation? Thanks everyone.