Sound like you are covering yourself by making the paper trail. I would not change the way you are going about the settlement.
Debt collector must provide documentation that they are authorized to collect the debt. If you are sued, then you can request the documentation. You may consider hiring an attorney to reoresenting you.
If this answer is helpful, then please mark the helpful button. If this is the best answer, then please indicate it. Thanks. For further information you should see an attorney and discuss the matter completely. If you are in the New York City area, then you can reach me during normal business hours at 718 329 9500 or www.mynewyorkcitylawyer.com.
You Said It Is A Law Firm Collecting. Did They Send A Letter Of Representation? If They Did That Should Suffice. A Law Firm Is Different Than A Collection Agency. If The Law Firm Is A Valid, Licensed Law Firm In Your State You're Covered.
Disclaimer: The foregoing answer does not create an attorney-client relationship with Attorney Cannella or her firm. This answer does not constitute legal advice, is provided for informational and educational purposes only for persons interested in the subject matter, is not legal opinion, nor confidential in nature. Each situation is fact specific and may be subject to state specific laws. Without a comprehensive consultation and review of all the facts and documents at issue it is impossible to evaluate a legal problem fully.