[Alillowr]

I might have missed the boat but I figured I would ask. I had recieved a letter from these guys pretty much saying that they can and may send my accr to their attorneys to collect the debt if they don't recieve a payment of 250 by deb 28th. (don't remember the exact wording). Of course the procrastenator that I am I didn't read the letter untill yesterday and as of now I am past that date. To my understanding I should have tried to send a validation letter to make sure that it is accurate so I assume that it's to late for that. I was planning on giving them a call and see if they will take a smaller payment (don't have the 250) and my question is, is this my best option I try and not get sued? I know the validation process takes awhile and figures by that time they may already be running there process. Please help