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I recently finalized a very nasty divorce and was lucky enough to have my husband leave me with nearly $10,000 in debt collections. I began doing my research on how to properly contact them to settle and pay off these debts. I drafted a letter offering a settlement amount in return for the CA removing all information regarding the debts from the credit reporting agencies within ten calendar days of payment. I sent the letters certified mail with return receipt requested, and notified them that my offer would expire in 15 days. It has been 14 calendar days/10 business days (not including the day I mailed them) since they have been sent. So far I have only received 1 return receipt, and absolutely no response from any of them. I am just not really sure what to do, prior to my husband running up a ton of debt in my name I had a squeaky clean credit report. Any and all help would be greatly appreciated. I apologize now for not really knowing any of the lingo - but I am very new to all of this.