Understand how u feel, but I honestly think u really have nothin

Understand how u feel, but I honestly think u really have nothing else to do! If I were u, I will pay them the $50, it's only $30 more than what I should give, it's really not worth my time and effort, period. Basically u can argue with credit company, not them, they didn't do anything wrong! To do or not to do all depends on how busy u are in yr work/life... plus, yr enemy is yr credit card company, not debt collector!