Car repo large balance with Drivetime is within SOL and I cant afford to do a pay-in-full for deletion. I want to take care of this before they send it to a collection agency, creating another negative account. At the same time I don't want them suing. There is still a little over a year left on the SOL. I can scrape up 30% of the balance. Do you all think they will take it and agree to delete? What should I state in the letter? If they reject my offer, will I have invited them to sue me? If they counter offer by saying they will accept but only update the account balance to $0, should I accept?
