My debt to Chase is around $7000 and it was bought
My debt to Chase is around $7000 and it was bought by NAFS. They are sending me settlement offers every month, and I noticed that the amount keeps dropping. It's currently at $1100. Should I settle or wait it out to see how low they go? The letters have a time deadline and say that the offer may not be renewed. I'm afraid to call them. Don't quite trust them based on consumer complaints I've seen.