02-01-2012 07:06 AM
02-01-2012 07:15 AM
I have sent 1 GW letter to them every day for the past month almost (email and snail mail) and still have no outcome... lol....
02-01-2012 07:31 AM
No, i would send them a DV (if you havent already) CMRRR and state to respond by mail only and then do a PFD if they come back saying the debt has been validated.
02-01-2012 07:38 AM
My first offer from Midland for immediate pay off was about 90% of the total. I was able to get the guy to 75% on the first call and he wouldn't budge from there. I had it faxed over in writing within 5 mins and paid it immediately. I don't know if they regularly reduce more than that, but I know that you can get 25% knocked off without a lot of effort.
I had zero luck doing a PFD with Midland and so far I've had no luck with GW after the fact, but I'm still trying to get them deleted.
03-22-2012 10:35 AM - edited 03-22-2012 10:51 AM
So I thought i would post an update to my situation. I spent roughly a month trying to get be able to talk to the guy that was holding my account and finally I got tired of trying and just quit messing with it. Yesterday I recieved a letter from a lawyer in Arkansas that is taking care of this debt for midland. It wasn't a summons to court as far as I can tell from the letter. It basically told me if you like to disput this debt you have 30 days to mail them a letter asking for validation it also says at the bottom to call if you would like discuss payment options. I was going to mail them anyway to try and buy more time but should I mail them a letter asking about the payment options to the account or just call?
Just another update haha! I went ahead and called and they are a thousand times nicer than midland. They said I could pay 500 settlement or pay 65 a month until paid off. They said I have 30 days to call and see which one they wanted me to do.
03-22-2012 11:04 AM
It kind of sounds like you're back where you started with the thread. I would suggest paying the settlement in full, try not to make payments whenever possible.