<prompt> Human: A little over a year ago my wife told me that she borrowed multiple payday loans for thousands of dollars and that she was not able to pay them. Over the next six months I was able to negotiate settlements and made final payments with each of the lenders or their collection agencies.Today, my wife told me that a collection agency called to find out where they can serve her with court papers on a debt owed to one of the lenders. I have an email from another collection agency representing this lender from several months ago that says: Our client has given us the authority to settle your balance for less than you actually owe. This is an offer to settle your payday lender account for settlement amount. If this payment is made by the due date this will satisfy your obligation to this creditor.I paid the agreed amount before the deadline and can prove it. The collector that called wants us to give them the loan number that we have. It appears that their number doesnt match anything we have. I am sure that there are no other unpaid or unsettled loans out there, especially with this lender.What should I do next? Do I openly share the information that I have settlement email, case number, original loan number, and payment information even though this appears to be a different collector? Would this be giving them too much information that they can use against us in some way? I dont trust anyone in the payday loan industry. If this collector is on a fishing expedition, I dont want to assist them, but I do want them to go away. What would you advise?  <response>: Request they send you verification of the debt in writing. Dont correspond further with them until you have that verification. 