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Spoke to a rep at Carson Smithfield and was offered a settlement for 25% of money owed to Merrick Bank. Called back a couple of days later to set up arrangement and they weren't going to honor the offer. After a bunch of back and forth they said as long as payment is made by the end of the month (7 days away). I want to accept the offer but they say they can not send me the offer in writing. What?! He said that their offer letters are auto generated by the computer and the language in those auto generated offers gives 35 days to make payment but this is a special deal that he wont extend for 35 days. I recorded the call with him , with his permission, where he lays out the deal but don't see how I can send money without a written agreement or letter. Any suggestions?