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Just received this today (my SO, not mine). Input appreciated before we move forward. Will try to answer any and all questions regarding his credit background as much as possible... Creditor: LVNV Funding LLC Original Creditor: Washington Mutual Bank, NA/Washington Mutual Bank Original Account #: XXXXXXXXXXXXXX Ref#: XXXXXXXXX Total Due: $X,XXX.XX This is to advice you that your account has been assigned to our office for collection by the above mentioned client. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will will obtain verification of the debt or a copy of a judgement and mail you a copy of such judgement or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan We would like to extend the following settlement offer: A 70% discount payable in 6 payments of $XXX.XX, Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our word that your account executive will treat you fairly and with respect. Sincerely, First National Collection Bureau, Inc. Thanks so much in advance!