In Escrow - Closing Mid July - New Collection Just Reported + HELP!!!!

[Anonymous]

I am in escrow now (received preapproval) been in escrow two weeks. Got a notification through Experian that I had a collection. Logged on and it is Enhanced Recovery. I did not receive any type of dunning letter, or I would have just paid the damn thing. It is a $147.00 AT &T bill from a few years ago (probably four). It was previously on my report at AFNI but it went away. I do not know what to do. They are going to pull my credit again before closing. Would it be best to just call  AT&T and ask to pay them directly? I just do not know what to do and I need this collection gone immediately!!!. Please help!! I am set to close in mid July.

[JusdoNit]

I wish I had an answer for you.  What is enhanced recovery, if you don't mind me asking?

[llecs]

Enhanced is a CA.

OP, I'd send a PFD [to the CA...ignore the OC].

[JusdoNit]

thanks

[Anonymous]

We had to pay one for Enhanced Recovery ourselves... I do know that when I contacted them I talked to them about a PFD because this bill was from 08.. Never knew anything about it... Needless to say they told me they will not do PFD but, if we paid it they would report it as Paid in Full at the end of the month...

[rckstrscott]

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@Anonymous wrote:

We had to pay one for Enhanced Recovery ourselves... I do know that when I contacted them I talked to them about a PFD because this bill was from 08.. Never knew anything about it... Needless to say they told me they will not do PFD but, if we paid it they would report it as Paid in Full at the end of the month...

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Paid in full will not help you in this situation.. it has to be off the credit report from my understanding..

If they refuse the PFD, and they didn't send a dunning notification, I would file a complaint with the FTC and the BBB of the state the business is in, indicating that they violated the FDCPA by proceeding with collection activities without provide a timely dunning notification. I had to do this with LVNV when I was already under contract for my house, and they wound up removing it.

-scott

[Anonymous]

Thank you. I will contact BBB and FTC now.

[JusdoNit]

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@rckstrscott wrote:

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@Anonymous wrote:

We had to pay one for Enhanced Recovery ourselves... I do know that when I contacted them I talked to them about a PFD because this bill was from 08.. Never knew anything about it... Needless to say they told me they will not do PFD but, if we paid it they would report it as Paid in Full at the end of the month...

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Paid in full will not help you in this situation.. it has to be off the credit report from my understanding..

If they refuse the PFD, and they didn't send a dunning notification, I would file a complaint with the FTC and the BBB of the state the business is in, indicating that they violated the FDCPA by proceeding with collection activities without provide a timely dunning notification. I had to do this with LVNV when I was already under contract for my house, and they wound up removing it.

-scott

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Wow.  That's nice to know.  I think there is another poster that needs the above advice.  Thanks for sharing another avenue to closing pitfalls