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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.
would that restart anything?
Also, has anyone ever had a collection agency tell you to skip a mtg payment to pay them?
@beachwanttobetterfico wrote:Also, has anyone ever had a collection agency tell you to skip a mtg payment to pay them?
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
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...
DV letter would be considered untimely at this point. is the debt listed on your reports still?
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
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.