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Hello -- I received a letter via regular mail from a law firm that handles debt for FIA Card Services. I believe I had previously been contacted by another collection agency regarding the same account. Today's letter indicates the matter "has been referred to this office for immediate action". It goes on to state that the debt will be assumed to be legitimate unless I dispute the validity by letter within 30 days. If I respond as indicated, they will provide verification of the debt or a copy of the judgement against me. To my knowledge, there has never been such a judgement. The stated amount owed is substantial. I believe that probably reflects principal plus interest. Lastly, the letter states that if I don't dispute the validity of the amount owed, they expect to receive payment in full. Questions: 1) At this point, how should I respond to ensure the greatest amount of protection and reduce the risk of further legal action? 2) How seriously should I take this particular "threat". It is my intent to eventually pay our debt in full, but have been unable to proceed until my financial situation improves. I am slightly more concerned because another group is now involved in the collection effort, and they appear to be a legal firm (although a web search indicates they perform collections). Any help or advice is appreciated. Thanks!