Here's my letter and contribution

[Robert Krausankas (BuddhaPi)]

short and sweet..only thing I would have added, is that as a courtesy you have removed the image in question ( without admitting any guilt..naturally)

[Oscar Michelen]

Good luck and keep us posted. To chime in on the "debt" issue, Getty knows that this is merely a claim and not a debt so neither they nor any of  their third party collection agencies have ever reported this to a credit reporting agency to my knowledge (going back to 2008). For it to be a debt you would have to have ordered the images from Getty and not paid them for them once received.  Were they to report this to a credit agency or harm your credit rating in any way, they would be violating the Fair Debt Collection Practices Act.