DO NOT PAY THEM, YOU OWE THEM NOTHING.

You owed DISCOVER money, they got rid of it, so now the debt is gone. Your payment is having to live with a "bad" credit incident or charge off.

I went through all this a few years back, i had a guy calling my cell phone threatening to throw me in jail for a CC debt that i had not paid when i was 18 (same as you). Im now 26. He was asking to settle an he wouldnt talk to me unless i gave him access to my bank account. Needless to say i told him to F U C K off and i never heard from Douglas Burgess (GOOGLE THAT) ever again.

I also spoke to Bud Hibbs, he gives good advice. Best thing to do is to CHALLEGE the charge off.

write Experian, transunion disputing the debt. Since no one can really claim it anymore, it should go away.


Put it this way, its like me borrowing money $200 from Danny and never paying him back. You tell danny, Ill give $20, its not the $200 but its something. Danny says sure fine, whatever an moves on with his life.

THen you call me an tell me that i owe you $300 for a debt i owed Danny.

They MAKE UP numbers, they use scare tactics, usually they are the lowest of the low types of people. An when the debt gets older they get more desperate.

DONT PAY THEM

READ THIS
http://www.giovelawofficeexposed.com/burgess.htm