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I have a credit card that was written off for about 6k. Some attorney firm is writing letters threatning to take me to arbitration. I tried calling and talking with them but they didn't want to negociate payment terms they only wanted a lump sum. I now have a letter stating I have 30 days to respond or they will persue legal action. Please let me know what to do. I don't have funds for an attorney and don't have the 3k they want to settle for. thanks in advance!
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