I have $74xx debt on Citibank credit that was charged off last month (April 2011) and now the file is with Client Services Inc. collection agency. I spoke with them and agreed to "settle in full" for 25% of balance paid in 3 parts over 3 months. They said they have mailed me the agreement which I never got. They sent me a copy of agreement by email but its a simple letter typed (not on a letter head) and there is no signature on it. I need someone to help me with handling the paper work. I want to make sure its done right. I am overseas right now. My job ended with my visa and I left country last year ending. I have friends helping me settle this debt. I want to settle this issue at the early stage since I have plans to return to US in next couple of years.