If by pre-legal, they mean they’re preparing to file suit to get their money, you may want to take that offer of $640. You don’t want the hassle of court and the likelihood of a judgment on your reports. You imply that you have $500 budgeted for this - call and ask if you can take the $640 offer but if you can pay $500 now and the balance in a month (or whatever timeframe you can afford - do NOT set up a deadline you can’t make).
Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s
5/24, 1/24, 76445/24, who cares #HappyWithAmex


Entering the garden 5/27/2019, staying until 2020(Lol so much for that grand plan...)