Ok guys~ got a question and couldnt find it listed anywhere, so if this has been said before, please forgive me I have (5) collection accts, yes I said FIVE with Portfolio that I want to PFD…my question is:: do I write one letter and list all the accts with them for a settlement of 20 or 30% (kinda of one lump sum) or is it better to write for each account? Cant stand this company!!! Oh, and I have 2 years til SOL runs out… Ive also got (2) from Midland as well….any advice out there? Thanks in advance, I know you guys can rock this!!