I have been making a payment to client services and was working on a last payment with them. Then I get a letter in the mail not going to send any money too your company getting in touch with my legal department

I completely agree that most of these 'DEBTORS' do not have checking accounts, however when they get a good settlement offer, out of nowhere a checking account crops up!! Magic?!? wrong! its just that our 'American society ' is so used to using credit cards and not paying them off, that it all sounds harassing to us when we get a call from some guy in India asking us to pay our bills!! we are so used to blaming circumstances and leadership and most recently the so called recession for not paying our bills. People in other countries also lose their jobs, fall sick, so why is it that in our country the percentage of debtors are so high?! Free advice..'DON'T RIDE A HORSE IF YOU THINK YOU'LL FALL OFF IT'!!!