Received a dunning letter from ARS National Services, Inc., PO Box 463023, Escondido, CA 92046-3023 It looks a LOT like this letter: http://www.creditinfocenter.com/community/topic/286881-should-i-settle-please-help/ You can see thier site at arsnational dot com I am trying to decide if I should settle or not. I don't have much time left to take them up on their 50 cents on the dollar offer. May 20th is the deadline for them to receive payment. For the first step, I am thinking of sending them a DV letter. Thier first letter to me is dated April 30, 2013 and offers the 50% deal if