The courts. It's ok to call and negotiate a verbal PFD. Just get the final in writing before sending any money.
I am surprised too considering their automated system calls me everyday. I don't want to speak to anyone over the phone, soI never call them back. When they sued they calimed to be suing on behalf of Discover card. However I am a little suspicious. I think they bought the debt from Discover then sued me. Unfortunately I have no proof.So who reports to the Credit Bureause? The COurts or the the company that sued and won?