<prompt> Human: Hi everyone, I have a credit card with Discover that I was unable to pay and they sent it to collections to see if they could collect it on their behalf. Recently, Discover sent me an Attorney Placement Pending letter and said to call them before the end of the month to settle it internally. I was able to settle the debt for 25 of the original balance but they are asking me for my bank account info. They already have it on file but I was wondering if it is okay to proceed with this, or should I be worried? Thanks!  <response>: According to Dave Ramsey, NEVER give collectors electronic access to your account. Get the deal in writing and then send them a cashiers check or money order. Lots of horror stories out there of people being cleaned out because they gave access to collectors. 