Amazingly Wells Fargo will not negotiate a debt when an offer is presented via certified letter. They elect to sue. In this case, they will get nothing, but they could have had at least a partial settlement.
Banks that get this big have no heart or compassion. I told them if I had the money I would pay in full. They won't give a gal a chance to pay them off. Well they lose, but thanks for putting me through all the phone calls and for the law suit. You deserve the nothing you will get.
Yes I know I owe the money. Yes I want to pay them and if I had it I would, but they refuse to even be civil about it.