My debt was validated with the collection agency. So I sent an offer to pay in FULL for DELETION. The collection agency responds with a letter wanting my home address and phone numbers; with no aknowledegement of my offer. Weird.
The collection agencv only has my PO Box and that is it.
What should I do?
2007-07-11 07:06:48 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
I send everything to the collection agency certified mail. All conversing is done by mail. I want it all in writing so I have proof of everything said between us. I have been strongly recommended this by several people. So I do not think I should call them.
Thank you for your answers and time it is very much appreciated!!!
2007-07-11 07:26:23 · update #1
The debt is only $100.00.
2007-07-11 12:32:32 · update #2
Write them a letter stating that your mailing address is your P.O. Box, and that you would like to discuss paying off your debt in FULL for DELETION. Any other forms of communication regarding anything besides my offer or settlement will be ignored.
2007-07-11 07:12:25 · answer #1 · answered by cinnatigg 4 · 2⤊ 0⤋
once you sign in for a credit card there are interest, previous due charge expenses, and different penalities for non-charge. those expenses are how the corporate makes funds and remains in company. -- you probably did not save on with the words of the settlement, so i don't understand why you think of you do not ought to pay something different than the money you spent. -- you are not getting somebody else's funds for loose. Why is it unreasonable for the corporate that's owed the money does not % to barter with you? there is no requirement that they take a lessor quantity that what you owe. the unique credit card company or collections company can use any or not one of the credit reporting companies. So this debt not performing on the TransUnion report does not mean something different than that report ought to have a greater suitable score through fact this transaction is lacking. you're incorrect appropriate to the SOL. If there's a judgement, which there just about actually is provided that's a credit card debt. The SOL to GET the judgement is the years which you're making use of. the actually timeline to get well the debt is 10 years in maximum states and various states have an computerized renewel for yet another 10 years (20 years entire). What you ought to do is examine if there's a small claims judgement against you? Ask the collections company to deliver you this paperwork... provide them a particular timeline to get it to you -- 30days is sensible. -- in the event that they could't furnish the documentation, deliver yet another qualified letter asserting that through fact they could't certify the judgement by contrast debt, you at the instant are not sensible for reimbursement.
2016-12-14 05:51:38 · answer #2 · answered by ? 4 · 0⤊ 0⤋
It's clear that you don't want to call them on the phone and have them curse at you or speak down to you. I can respect that. If this debt is any real balance like over $3000, you may consider involving a debt settlement company. They are surprisingly affordable and will most likely save you much more than you could negotiate yourself. As for having it removed, that is something you can do yourself with a little help. Check out the 2nd source website for more info on that. Good luck.
2007-07-11 12:21:06 · answer #3 · answered by stephen l 2 · 0⤊ 0⤋
I would do business directly with the creditor. I have a collection agency bothering me about a bill I paid off but I did not receive acknowledgement from them, I think some of them are disreputable.
2007-07-11 07:15:31 · answer #4 · answered by Maria b 6 · 2⤊ 0⤋
Call on the phone to discuss payment in full with deletion from credit file. Let them know you only want to be contacted at your P.O. Box.
2007-07-11 07:16:02 · answer #5 · answered by Kathy 5 · 0⤊ 1⤋
Get valuable tips on debt from http://moneymentor.cashmatter.info . It's a very useful website.
2007-07-11 23:59:40 · answer #6 · answered by Anonymous · 0⤊ 0⤋