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I received a debt collection letter from South Western Credit Soultion offering me a "settlement" with AT&T wireless in April 2012. It said I can pay 50% of the intiayl amount owed. I took advantage of the offer and paid it. Then in September 2012 I received another "settlement offer" for the SAME AT&T account from CBCS but this time for the remaining balance. I contacted CBCS and told them I have alreadt satidifed this debt and thy suggested I contct AT&T - who then said that a settlement offer does not satisfy the debt but just closes the debt with THAT CA. But the balance can then be sold off - Is this true? Can anyone provide any insight about Settlement offers? I live in NJ.
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I received a debt collection letter from South Western Credit Soultion offering me a "settlement" with AT&T wireless in April 2012. It said I can pay 50% of the intiayl amount owed. I took advantage of the offer and paid it. Then in September 2012 I received another "settlement offer" for the SAME AT&T account from CBCS but this time for the remaining balance. I contacted CBCS and told them I have alreadt satidifed this debt and thy suggested I contct AT&T - who then said that a settlement offer does not satisfy the debt but just closes the debt with THAT CA. But the balance can then be sold off - Is this true? Can anyone provide any insight about Settlement offers? I live in NJ.
