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I received the collection letter a while back and simply ignored it (I am as angry as everyone else about this sudden "broker bankruptcy" issue- I have no intentions of paying that $399! Today ( March 29, 2016), I received my first "personal email" from somebody by the name of B. Patel, attempting to offer me the termination fee of $1500!!!! I'm not paying that either! I replied that I would be more than happy to pay my annual membership fee, but that's it! I said other than that, I would seek counsel prior to doing anything else. This is just feeling like a scam now.