03-08-2013 04:59 PM
I have a CO showing balance of ~1800 dollars. DOFD was 6.5 years ago. Im not within SOL . I want to try to negotiate this down to about 500 dollars. I hear the lowest they will go is ~50% of the balance. However , I think calling them gives a better chance of futher negotiatons. I just want to make sure if we dont come to an agreement, i dont restart the SOL, so what should I not say to them?
Im going to offer the money for a delete of the TL. (im not optimistic on this one) . If this fails , what are the best terms for settling with it still showing on my report?