<prompt> Human: Im in California, if this matters at all. Alright, so I just got off the phone with a Midland Credit rep to pay down an old CC debt with a little chunk taken off to settle. Got a little testy with all the weird personal questions the guy was asking. Gave them a debit card number, they told me to watch for a payment confirmation in the mail. I know the debt was good, I recognized the account number and issuer, last payment puts it within the statute of limitations. I know paying off old debts should feel freeing and relieving, but I cant help but think that something is amiss. Midland doesnt exactly have a stellar reputation online, but who loves a debt collector? Any insight, advice, consolation etc would be appreciated.  <response>: Did you get a letter agreeing to the situation beforehand? Like, if you settled a 5,000 debt for 4,000 did you get a letter saying that a 4,000 payment would fully satisfy all obligations, or whatever their preferred wording would be? 