Another one bites the dust!

O.k. - I have been emailing back and forth to USA Pay day loan since the beginning of last week. I took a loan out with them for $300. Since that time I have paid back a total of $270. I wrote them a letter of settlement telling them that they weren't even licensed in my state and that my state doesn't allow rollovers and that I was willing to settle for $120 to close the account. The first guy I was talking to was a JERK. Said I didn't know anything about my states laws, etc. that I needed to hire an attorney if I was going to fight it etc. I just stopped emailing him and was going to just turn this PDL over to T&C with my others. Well I call in today to get my account number and mailing address from this company to provide to T&C and spoke to a different guy in the collections department. We went around and around and he wanted to know why I wanted the address and I let him know I was turning it over to my debt consolidating firm. He put me on hold and came back on about 5 minutes later and said that he would settle the account for $120 - once that was received the account would be considered paid in full and closed. I asked him to email me something in writing to that effect and not 2 minutes later it was in my in-box! Thats 3 down for me in the last 2 days.
I so can see a light at the end of the tunnel. Thanks to everyone on this site that has given me the knowledge and the courage to finally stand up to these guys! :D