How can I convince collection agency to put paid instead of settled?

[Thomased]

I'm trying to get portfolio recovery to put paid or anything but paid/settled for less than full balance. Advice?

[notfancy]

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@Thomased wrote:

I'm trying to get portfolio recovery to put paid or anything but paid/settled for less than full balance. Advice?

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I assume you're trying to settle the account, but want it marked as paid in full?

You could try for a pay for delete, which is where they'll agree to delete the entire account if you pay them the settlement amount (or pay the entire owed balance) That would be more helpful than either paid collection / settled less than balance owed.

[Thomased]

I agree but portfolio is not willing to do anything.

[baller4life]

If you haven't paid it yet keep hounding them for a pfd. If you paid already flood them with GW letters. Good luck! I will pm the email I used to get mine deleted.

[Thomased]

So do you think I should pay them now less than the full amount or wait until and keep sending them Pfds? I don't want to pay them the full 2500 but I wld if they deleted it

[Shogun]

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@Thomased wrote:

So do you think I should pay them now less than the full amount or wait until and keep sending them Pfds? I don't want to pay them the full 2500 but I wld if they deleted it

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I would try for the PFD a few more times.  If worse comes to worse, you would pay/settle anyway.  But if they say yes, it's a win/win.