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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 I pay them by May 20. Yesturday (May 11) I received ANOTHER letter from ARS. This letter is dated May 8, 2013 and says they are authorized to accept the same 50% "in full settlement of the above referenced acount, provided your payment reaches this office by 05/13/2013. Well this is pretty stupid. Today is sunday, and May 13 is Monday. I don't know how they thought I was going to pull that off, especially since I got the letter yesturday, not to mention the fact that this letter contradicts the April 30 letter (which had a 'due' date of May 20). Looked up my credit report. It shows the Citibank charge off and some amout past due (not the full amount). Does not say it was sold or transferred, but it may be too early. The most recently inquiry by Citibank was in May 2013, so this just happened, as I posted this May 12. The confusing thing is that the sentence about making payments payable to says: CITIBANK PO Bbox 469100 Escondido, CA 92046-9100 Because this address is only a few PO boxes away from ARS's, it leads me to think ARS is cashing the checks even if they are made out to Citibank. I searched this forum, but did not find anything really concrete. http://www.creditinfocenter.com/community/topic/315454-citibankars-national/ I also found this thread: http://www.creditinfocenter.com/community/topic/304567-settlement-letter-from-chase-telling-me-to-contact-ars-national-services-inc/ But I did not receive a letter from Citibank as the person in the above thread did from Chase. I did just receive another statement from Citibank for this account. Its just another statement showing even more interest accrued. Does anyone know if ARS National Services, Inc does collections on behalf of Citibank (assigned debt) or do they purchase the debt (junk debt buyer or JDB) ? Does Citibank sue for debt in Nevada?