HealthMarkets sent me out a letter stating I owed them money. If I would not pay then they would send it out to CREDITWATCH. One month later, CREDITWATCH has now sent me out a letter saying that I have 30 days to respond in writting, if not -then I assume the debt is valid. I was TOTALLY trained in an un-ethical manner and was set up for failure. I was a BIG producer; however, I had a conscience and had to leave. I have been told by ex-agents to ignore this letter because it will never be reported on my credit report. Is this a true... read full review »