I think you need to provide more information. Without context it’s hard to know if someone is trying to screw you over.
I’ve seen loan payoff offers where you pay them a lump sum and you get a discount on if you had continued to pay over the life of the loan. Sometimes lenders will do that so they can get certain loans off their books. But it benefits you.
But without additional information it’s hard to know what you are talking about.
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