What are my options???

[Shokk]

You should start with a DV letter before doing anything or offering anything.  Ask for name and address of OC and an itemization of charges.

Check your state laws for any further protections you may have.

[beachwanttobetterfico]

would that restart anything?

[beachwanttobetterfico]

Also, has anyone ever had a collection agency tell you to skip a mtg payment to pay them?

[DaBears]

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@beachwanttobetterfico wrote:

Also, has anyone ever had a collection agency tell you to skip a mtg payment to pay them?

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They told you to skip a mortgage payment to pay them? You can try sending a DV letter, if it is timely then it would put a cease collection bar on them until they decide to validate. 

DaBears

[beachwanttobetterfico]

yes they did, however it was probably in 2009 or 2010 when they said it. I have not heard from them since they got into trouble with all the fines. No calls, no letters, I figure due to being past SOL...

[DaBears]

DV letter would be considered untimely at this point. is the debt listed on your reports still? 

[beachwanttobetterfico]

It is, this is from a pull a few days ago...experian says it will remain until 04/2015

Company    AAC

Loan Type   Unknown

Account Holder   Individual

Date Opened   Sep, 2010

Status Date   Oct, 2013

Condition   Open

Last Activity   July, 2008

Balance   $16,951

Status   120+days past due

Late 30 days   0 times

Late 60 days   0 times

Late 90 plus days  0 times

Worst Delinquency   None Reported

[beachwanttobetterfico]

let it sit and wait it out for a year ad a half, or offer a really low ball pif? I have not heard from them in a few years, dont want to start getting calls or anything.