Most importantly we all need to remember that if any letters or MIB come a knockin' do not volunteer anything out of the goodness of our hearts or fear..

We need to not be stupid. Have an attorney's name and # ready to call. Once we open our mouths and say something ignorant hoping to "make them happy" we are F*kked.

They expect us to be frightened and babble like children.
Say nothing and make a phone call.

Any atty out there care to advise?