Hello and thank you in advance for your advice! I owed Midland $180.05 and put it on the back burner...anyway I get another letter in August giving me three options to take care of this debt..I took the first option which was 40% of the debt and if received by 9/16/2016 my account would be marked Paid in full for less than full balance. I sent a cashiers check for $72.02 (cashed) and also received another letter saying they received my payment on 9/16/2016 and thanking me for it..yet telling me that the option had expired and they just dinged my credit report for the balance of $108.03 saying I still owed them....I have copies of everything....so even though I took the first option I still owe the rest? Should I even consider small claims court with them? Thank you!
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