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RPM is the collection agent of the creditor.
If you settle for less, it is best if you obtain agreement that the OC account update only to show paid, and not include any reference to paid/settled for less.
I would accept the settlement offer with the additional condition that RPM obtain commitment from the OC to update to paid with no special comment related to paid/settled for less. Since the creditor is still the owner, and thus ultimate payee of the debt, their commitment as part of your settlement with the debt collector would be a proper contract condition.
Yes.
However, I would not expect the OC to make a firm commitment to terms of a negotiation that they themselves are not conducting, particularly since they have alredy balked at a request from their own debt collector to make that commitment.
You wont know until you try.....
If they have not reported and you paid a settlement, I do not see how they can report anything negative since you settled the debt before reporting it. I did teh same thing with ATT and they never reported anything. And if they did i have proof of payment and the settlement offer before reporting anything negative. I mean if someone says you owe me X but i will take xyz and you pay it. How can they report you as a deadbeat?
While a debt collector may not report after the debt is paid, they are not precluded from doing so.
The question was whether they can.
Reporting of a collection is the reporting that they had or still have collection authority.
Provided their reporting shows paid, $0 balance, it would be accurate reporting.