How to deal with nasty CA

[trc1962]

Hi. Ready to begin working to offer a CA that is carrying MANY medical accounts of mine. They are known as very difficult and nasty to deal with as told to me by a credit counselor. I also had a dealing with them a couple of years back and the head of the company tried to bully me a lot. They add a huge fee on each account (but they say it is legal, just the most the state allows). 2 years ago I offered a payment plan of $50 per month to them (couldn't give more, as I had other medical collectors to pay) and they said $100 or nothing. I couldn't pay that and keep paying my mortgage, so I stopped communicating with them. I think they did not sue me because they knew I did not have the money. I now do have the money to pay off what I owe, plus their outrageous fees, but I want to pfd them. If I am going to did that deep in my savings I would like the accounts removed. I have put them off til last-kind of scared to wake a sleeping giant. Any ideas on how I might be successful?

[eric19k]

Name of CA please

[trc1962]

Chapman Financial of Spokane, Wa, they used to be called "Aetna." On transunion they are listed as chapman financial and on equifax they are still "Aetna."

[eric19k]

Send DV first and see what repsponse will be. If they verify then offer PFD. If they won't accept then I don't know. 

Personally I do research about every collection I'm dealing with. I search other forums, googling  and my credit report as well as to find something against CA. 

I was able to delete 4 collections in 1 month without paying a dime to them.  

[eric19k]

Wait for other members to post. They might offer better solution.

[GooseGirl]

How old are these debts? You are outside of the SOL, right? If they are close to dropping off then maybe the CA will be more willing to negotiate.

[trc1962]

They are only a couple of years old, so no sol in sight yet. I will do some more research on them. Thanks for answers.

[Shogun]

Still within SOL so tread lightly.  Only contact them if you have the money to take care of them.  Then try for a PFD.