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As previous discussed, I have an act that I am trying to work with. I had an idea come across me that I thought I would run by you guys. I currently have some money saved up in my 401k right now and thought that I can skip the CA go straight to Citi and make a settlement with them if they delete it off my CR. I received a dunning letter from Academy on the account with the current amount which is 2707. Is it feasible to offer about 1300 to them to settle things. Or should I just deal with Academy and send out a DV letter? Thanks for all your help!

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