Advice on a possible PFD?

[Mvpbowler]

Hey everyone.. I have an account from CorTrust that is on my CR and I was wondering the best way to go about taking care of it?

Here is how it shows up for TU. Any thoughts and advice is great appreciated!!

Account Name:	No match found.	No match found.	CORTRUST BK
Account #:
Payment Status:			Charged off as bad debt
Account Type:			Unknown
Balance:			$473
Date Open:			09/16/2008
Last Updated:			07/13/2012
Account Status:			Closed
Terms:
Phone #:			No Phone Provided
Address:
Ownership:
Original Creditor:			-
Company Sold-to:			-
Credit Limit:			$300
Monthly Payment:			-
Past Due Amount:			$473
High Balance:			$473
Balloon Payment:			-
Comments:			-

[Shogun]

Can you pay?  I'd start with a PFD if you can.

[Mvpbowler]

Not sure if I can pay, was hoping maybe someone had some insight or one of the guru's had an idea.

[guiness56]

Has your states SOL expired?  If so, offer them a settlement for deletion.  They may not bite but worth the try.

[Mvpbowler]

I do believe they have.. From what I have read Nevada has SOL of 4 years and my first DoFD was 05/2009 and if I understand SOL right, I am outside of it now correct?

[Mvpbowler]

Also is it best to send a letter with CMRRR, try and email, or to call them? Thanks

[guiness56]

If the DoFD was 5/2009, yes, it expired 5/2013.

I would write them a letter asking to settle for a deletion.  I would not personally send it CMRRR, looks to demanding and a PFD is a type of GW.

[Mvpbowler]

Thank you very much for your help! I appreciate it