bc's advice is right bang on, GET IT IN WRITING! Do not exchange a cent until you do. Pay with a check or money order so you have a paper trail.
DO NOT GIVE THEM ANY ACCOUNT NUMBERS OR ANYTHING ELSE THEY CAN USE TO ELECTRONICALLY ACCESS YOUR ACCOUNTS.
bc's advice follows Dave Ramsey's advice on his radio show almost to the letter. Dave says that credit card collectors and bill collection agencies are the worst type of people, and don't trust them an inch. EVERYTHING IN WRITING, and DON'T let them THREATEN you into anything.
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