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I have four medical collections accounts with one CA. Three of them will drop off by Jan of 18, at which time I will have one collection account still on my CR and some late payments that will drop about a year from now. The other account won't drop until Feb of 19, I haven't recieved any collections attempts on this debt in some time. If I offer a PFD for the newest one to get it off my report and then have a clean report in 1 yr from now how likely is it that the CA will start trying to collect the older accounts?
@Anonymous wrote:
Not sure of the direct answer to the question ask, especially w/o having a clue which CA ( some leave clues) ...
However in general, if one doesn't know if kicking a 🐝 nest will be trouble or not and it would be a moot point in a little over 100 days, why kick it now?
It's basically September, now...so month 10,11,12 then 18 days into January the 3 of concern drop anyway...
One might focus on a different issue, continue stacking cash towards a too good to pass up PFD just after New Year's and stay 🐝 free
CA is TD Solutions/Mutual Management
The 3 of concern drop in a little over 100 days, but the CA can still attempt to collect. So not sure I want to waken the beast.
By Feb of 18 the only collections on my account will be the one I am asking about. If I could PFD it then I would have zero collections account and 4 late payments that will drop next September. I would have a clean report about 5 months sooner. Is it worth the risk.
My recommendation is that you wait until the others collections have been dropped from your report for at least a month, before you try PFD of the newest one. IThat is because f the CA becomes aware that you have paid the newest collection action, they may go after you extremely actively. As another recommended, don't kick the nest until 30 or more days after your the collection actions fall from your reports by the end of February 2018.
I can just about guarantee when you ask the CA about the newer debt they are going to say "Oh we have this one too". My advice is that unless there is a likely chance of them suing you for the debt, let it lie at this point.
How big are these collections? Do you know the SOL in your state?