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The offer took place, by phone on Aug. 29, 2011. What she proposed was a three way call to my Discover, which was the bill I wanted to pay off. She said(call was supposedly recorded) that I could not do this myself, as Discover would not allow it without her help. I am to get a "courtesy check " in the mail from Discover, make it out in the amount of $6,771.00 and deposit it in my checking acct. Then send to Discover a check for $5927 (which is the amount of my balance) and the remaining $844.00 to Sears, who they were billing for their payment for the transaction.