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I just received a letter in the mail from a junk debt buyer on an old credit card I had back in 2007 offering a $2000 settlement ! and it says too : unless you notify this office in writing within 30 days that you dispute the validity of this debt,we will assume the debt is valid and they will obtain verification of the debt and mail me a copy (name and address of the original creditor )...should I write them back to dispute it even though I owe the original bank money ? there is no physical address,just P.O.Box? and what should I request for ?