this company sent me a letter stateing that they would settle this account from lvnv funding llc for 75%off the orginal amount the only problem is that this credit card we had put thru bankruptsy and it is charged off. i keep getting these from companies and i can't figure out where these bills are comming from and our credit should be better by now it was over 10 years ago that we did bankruptsey. what should i do. i don't have alot of money to hire lawyers for this isn't there something i can do without a lawyer.