RMJ asked that I settle a $1279.08 claim by paying $383.72. This was for a Citibank credit card debt. I had a Citibank credit card but RJM provided a bogus account number. I ran my credit report on found no claims by RJM or anyone else. This company needs a lawsuit filed against it for fraud! The company provides a toll free number 800-225-9318. My letter was dated March 18, 2010. The letter presented two other opportunities for me to get excited about. Second was to send $40 towards a settlement of $639.54. The third option was to send $20/month until I paid the entire balance. Don't fall for it! read full review »