It's called a "settlement" they can offer settlements if the client allows it- most Dmc's do this

Actually they are real- and if you Ignore it they will continue to contact you and will maybe take it further, just Contact them

Just send the letter back in the post

And also , if you don't owe it you need to proove it. Not the other way around hope this helps

Actually , advantis are a debt agency if you Go on the website you Will see this- you Lot need to contact the original creditors if you don't believe what you actually know is true and that you owe debt. The reason they can't tell you this in the letters is because if they have the wrong Person they would be breaking data protection . So they are not a "dodgy" company And the Staff are Just doing what they are Paid to do.