westo12 wrote:I'm prepared to phone a CA and offer a PFD over the phone. This debt was previously validated.
I know I'm not supposed to admit ownership, so what is the best way to word this request to accomplish this?
Do it in writing. See PFD Example Letter
I prefer to do things by mail, just for a paper trail. However, I personally and others have too, have had positive outcomes from dealing with creditors on the phone. It can be done, just be careful and don't let them bully you.
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Thanks all, for the input. I've already mailed the PFD letters, using the same one from here I've been using since 2008 lol. I know some CA's will fax/email you something too, I just wasn't sure exactly how to word the request over the phone.
Shogun, thanks for the help too. And as far as being bullied, I was the only girl in a house with 5 brothers. No one in the WORLD could ever bully me... lol. 
Thanks again. I didn't consider that I could just essentially read my letter verbatim lol. Could start there.
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