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[quote=Anonymous]Background:

I lost my job last year and couldn't afford my apartment any more.  I told the landlord right away and asked them if they would let me out of the lease and if they would look for someone to rent my apartment early.  They weren't willing to (I guess they didn't "have to") but I couldn't afford to pay it any more. They sent me to collections for one month rent.  I'm trying to pay the debt now.

The collections agency sent me a letter last month saying all of the debt would be settled at 60% off if I called them by Feb 28.  I called them today since that sounded like a reasonable deal, but after talking to them three times they keep giving me different stories.  They keep saying they don't have to honor that letter and the best they can do is 20% or 30%.  It sounds more and more like the letter was just to get me on the phone with them so they can bully me into paying more.  I'm not trying to run away from debt, but I have a limited amount of money.

My question is, how legally binding is the letter they sent me if I called within the period they gave me? Can they jerk me around like this?[/quote]

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