I received a letter from a Mr. Paul Snyder today and decided to Google this company as I'd done with other strange letters claiming debts are owed. This scam came up and i wasn't quite surprised. They're stating my acct is $519.53 but will settle for $129.88. I decided to check my credit report upon finding this scam and low and behold, there are 11 collection cases on Equifax credit report. I disputed every single one of them and have done so for Experian and Transunion as well. I received this letter after their business hours but fully intend to call first thing in the morning. They will get nothing and have no proof of any of these charges. They are scum that try to cheat people out of their hard earned money. The best advice, cancel your debit/credit card and request a new one.. dispute everything on your credit reports and file a police report for identity theft.