Collection agency posing as a law firm. These peop...

Collection agency posing as a law firm. These people are not bright. Victor is especially intellectually challenged. Offered him a large lump sum to settle a VERY old debt. He said they would rather receive nothing. I asked him if he understood that SOME money now is better than NO money ever. He didn't seem to understand this. I tried again and asked him if $10 is more than $0. He still seemed very confused.