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Got a scary debt settlement letter for accounts I never set up
It says they have a credit settlement for me, which I never set up. It says I have to respond within 10 days or I'll get interest building up on unsecured credit at an unreasonable rate and penalties. It shows estimated creditor balances and a settlement amount and a proposed program payment. There's a reference number and it says to call 1-888-418-7456.
At the bottom it says this is a communication from Debt.Help at an address in Gold River, CA. I don't know what this is. I didn't arrange any settlement.