Sent me a letter trying to collect on an old At&t bill that was 4 years old and I no longer owe. I called them up and when I told the lady who answered I didn't owe this bill, she kept telling me I did and just wouldn't listen to any explainations. She also stated that Assetcare inc would take 40% of the amount owed and settle the account. This co. is a rip-off and take my advice; Don't send these people any money.