I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}