PFD for legit debt

[belle032]

Hi everyone!  I'm trying to be more active in the forums because of the amazing information available here.  Before finding the forums I never heard of or thought of sending a pay for delete.  I have the link to the sample letter that starts with stating, "This letter is to inform you that the validity of this debt is disputed".  If I know the debt is valid, then should I still state the debt is disputed?  If not, does anyone have a sample PFD for a valid debt?  Thanks so much!!

[JM-AM]

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@belle032 wrote:

Hi everyone!  I'm trying to be more active in the forums because of the amazing information available here.  Before finding the forums I never heard of or thought of sending a pay for delete.  I have the link to the sample letter that starts with stating, "This letter is to inform you that the validity of this debt is disputed".  If I know the debt is valid, then should I still state the debt is disputed?  If not, does anyone have a sample PFD for a valid debt?  Thanks so much!!

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The letter you are referring to is not for a PFD. That letter is for disputed items.

If you do a search on forum and weed through several post you will see many examples of PFD letters.

[RobertEG]

+1.

You definately dont want that sentence in your PFD letter.  It may result in treatment of your letter as a dispute, and resporting of the account as under dispute.