as well as many other people i have recieved a "settlement offer" for the amount of "$50.00" on a "$539.18" t-mobile bill that was past due since 2003. i called the 800 # and spoke to a man who @ the time sounded as if he really was from a debt collection agency and when he asked for my last four # of my SS # he gave me my name which threw a red flag up. also as i was taking a second look @ the letter they mailed me, it didnt really look like a letter that a collection agengcy would mail out(usually collection agencie... read full review »