i recieved a letter saying i owed galaxy international a past due balance of 599.23 and wanted me to settle for 209.73.
on the back it states that "we cannot sue to collect this debt and providing a partial payment may revive the creditor's ability to sue to collect the balance"
i didn't send them a dime and i won't, i paid off all my debts a long time ago and check my credit report often but these clowns dont count on people doing that.
my advice is not to pay anything until you check your credit report and do other research to help your self, good luck