There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.