The individual Business sends out letters to unsuspecting individuals saying they owe a substantial amout of money to a bank or service like phone services, etc and saying they offer to settle the account for 50% of the total which will obsolve you of any further debt and to pay the money to their account.(Copy). The Majority of the individuals receiving these letters do not owe any money nor have they ever had a account with the alleged service(Bank, Phone Co., Etc, Credit Crad). The scam is that if this firm(Law Office Of Mitchell N. Kay... read full review »