I'm in the process of setting with ACA Financial services. They have agreed to the settlement offer but refusing to send me a written agreement. They are telling to trust them verbally. I'm not comfortable with this. What should I do?

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You should get a written agreement first. Either get it via fax or email and only then send the money or give out your account number. If you don't they might later go on billing you more and add other charges. Therefore, insist them to get a settlement agreement letter first. Tell them "No letter, no payment".

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