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I was recently sent a collection notice from RJM from an old WAMU closed account (with a balance).
I sent an email and received a very quick response (next day). The email reply came with a contact number whom I called and recived a prompt agreement for a PFD with no hesitation (they settled for 70% of the owed ammount).
They stated that they have not started to report this collection to my credit report but will send a letter that they will never report in the future.
I was very happy to work with this CA. I wish I could say the same about other CA's.
Normally I would say something here about how you should never acceot a verbal PFD, at least get an email if not a letter in the mail, but RJM is awesome.
One simple email got a paid collection off my report in 1 week. They sent me a letter stating they would never report it again once deleted. I wish all CA's were so easy to work with.
Agreed, normally I would never agree to a verbal PFD but after reading RJM experiences on these forums. I went ahead and accepted and paid.
I will probably never verbally agree again to any other CA.