 on an old bad debt for $3,200. You overpaid on that, but you gave them $3,200, and they gave you a piece of paper that says you paid the bill in full. Am I right? Well, no, they sent me, so this is what I did. I sent an email for an OOCR saying that this amount is for the debt, and this settles the debt. Yes, it does say this settles the debt. It settles the debt. This is a scam. Just tell them to bite it.