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Talked to a third-party about your debt. I had a debt with XXXX XXXX credit card. I was going through hard times in my early XXXX and had to use this card to survive, I was young and naive and didnt know much on how credit works. I am now in my late XXXX and finally financially able to pay this debt off. My account was sold to Hayt & Hayt Landau where I agreed to pay them a monthly amount of {$180.00} on the XXXX of every month since XXXX. I have been paying them since XXXX and I have signed and faxed the settlement documents twice but apparently they have told me they never received the documents even though I had faxed it to them twice. Even though I have been paying them monthly in XXXX they had wanted to take me to court and tried to serve me at my house where I rent a room from, they