What are my chances of settling the debt with NRS?
I sent a letter to my creditor as I was not able to make any payments for several months. The creditor sent me reply a few days ago. I was informed that the account has been sent to Nations Recovery System. Meanwhile, NRS sent me letter yesterday. They told that I will have to dispute the debt within 30 days. I know that the debt is legitimate. So, I don’t want to dispute it. I want them to make a settlement offer to me. Should I make the first offer or wait for them? I am interested in paying around 15% of the debt?