I received a letter today, 2/10/2011, from Capital Management Services. It states I owe $591.19, but they are willing to settle for $177.36. The letter mentions a credit card I do not ever recall having. I called the company, CMS, and a rude, obnoxious man answered. His name is Paul Birch. I stated I had just received this letter, did not recall the card, would they please send me a copy of whatever the charges are that I supposedly accrued. He stated they are a collection agency, and they ARE going to collect this debt. He said I have owed... read full review »