Remember this important fact. You are to receive, by law, proof of debt. It must be sent by US Mail. Not fax, text, email, or phone call. US Mail. It will show who you owed, how much, who you owe now, and how much to settle. The letterhead will have a name, address, and phone number that will really exist, if you check it out. NEVER agree to pay money to anyone who calls you, as you have no idea who you are really talking to.