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Missouri resident. OC were 3 credit cards. I tried to work things out a few years ago but could pay nothing. They sold the debt, a few different times. Cavalry ended up with it. I am now in a better place financially, was gathering funds and trying to prep my tax return to call and make an offer. It took longer than expected. I have since received letters from the attorney for a law firm representing them. Questions: I can sum up the questions as: “What do I do?” but more specifically….. 1- Is this when they truly become litigious, or is this another bargaining tool? 2- I don’t have the funds to pay the full amount, though I could probably come up with 60%. Do I send letters of DV to buy a little time while I attempt to scrape together more? 3- Do I go to a credit counselor and let them fight and bargain with the attorney? 4 - Do I dare attempt an offer letter to the attorney? Law firm based in Kansas City, KS but licensed in MO and KS. Will provide name of firm if helpful. Letters summarized with what I understand to be pertinent information. THANKS FOR THE HELP!!! ---------------------------------------- 1st letter: Jan 23, 2017 RE: Account balance w Cavalry SPV Cavalry account No: 111111111 (not real number) Original Creditor: Citibank, NA Creditor: Cavalry SPV The above debt has been referred to our law office….we hereby demand payment of debt (~$4500) as of Jan 23. Please direct all phone calls, payments and inquiries to our office. You may call and ask for Jane Doe ext 123. Notice: This is a from a debt collector and is an attempt to collect a debt. Unless you notify this office within 30 days, etc, etc. (Please return this portion w/payment to: XYZ Law Group. Amount paid: $_________ ) ---------------------------------------- 2nd letter: Jan 26, 2017 RE: Account balance w Cavalry SPV Cavalry account No: 111111222 Original Creditor: Citibank, NA Creditor: Cavalry SPV The above debt has been referred to our law office….we hereby demand payment of debt (~$3900) as of Jan 23. Please direct all phone calls, payments and inquiries to our office. You may call and ask for Jane Doe ext 123. Notice: This is a from a debt collector and is an attempt to collect a debt. Unless you notify this office within 30 days, etc, etc. (Please return this portion w/payment to: XYZ Law Group. Amount paid: $_________ ) ---------------------------------------- 3rd letter: Feb 10, 2017 RE: Account balance w Cavalry SPV Cavalry account No: 111111333 Original Creditor: Citibank, NA Creditor: Cavalry SPV The above debt has been referred to our law office….we hereby demand payment of debt (~$2300) as of Jan 23. Please direct all phone calls, payments and inquiries to our office. You may call and ask for Jane Doe ext 123. Notice: This is a from a debt collector and is an attempt to collect a debt. Unless you notify this office within 30 days, etc, etc. (Please return this portion w/payment to: XYZ Law Group. Amount paid: $_________ )