A year ago, I settled a debt with my gym through the collection agency they hired. The agent discarded all my late fees and interest, and settled the debt for about half of the original amount. Today, I got a voicemail out of the blue from a C. Anthony Haywood from MRSI saying that if I didn't respond within the next four hours, I would be facing legal action. When I called back, he kept spewing all this baloney about how even though I have a letter from the collections agency stating that the "client will accept a settlement in... read full review »