I settled a debt with capital mangement services in november 2004, for almost half of debt, they offered to settle for $3600, I told them I could only come up with $3200, I was put on hold while the represantative spoke to supervisors, she came back on and said they would take it, I was told a settlement letter would be mailed out in a few days, never came, now being sued by palisades acquistion for nearly the original debt, calls to capital management says they took the money as a partial payment, not as a settlement