PFD SUCCESS!!!!

[Anonymous]

Good to know. I am going to try again with ERS and Collection Agency of America.

[Anonymous]

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Badcreditguy wrote:

Yeah I just send the PFD letter from the forum. They told me no 3 other times! The 4th time is the charm! They always said it was against company policy. I guess policies were made to be broken =)

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Now THAT'S what I'm talking about!!

I'm a broken record when it comes to letter writing-- If they say no, try,try,try,try,try again!

[Anonymous]

I've still got no response from Letter #4 to Fair Collections and Outsourcing.  I've been at this since March.  Letter #5 is going out this week CMRRR with fingers crossed.

[Anonymous]

Congratulations on your success.

I am trying to clarify something about PFD-  Does the collection agency have the power to do the PFD or is it the original credit card company?

I settled a debt a while back with a collection agency (less than the full amount).

I would like to go back now and seek to settle the debt in full if it can be deleted from my credit report.

I am hesitant to begin dealing with these people again as they were extremeley corrupt about the first payment plan I worked out with them (they agreed to a payment plan of more than 50% of the debt in 3 installments if I agreed to wire the first payment the next day- then the next day they took that money and demanded full payment since I didn't have anything in writing from them).

For PFD, should one go back to the original credit card company or deal with the collection agency last dealt with?

[Tuscani]

Awesome!