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attempting PDFs over the phone.......

Regular Contributor

attempting PDFs over the phone.......

what would i say to have a successful PDF over the phone? i know i shouldn't admitt that the debt is mine. would it even be wise to roll the dice on this technique? i don't think my PDF letters are gettin me anywhere............

5 REPLIES
Regular Contributor

Re: attempting PDFs over the phone.......

ttt

Highlighted
Senior Contributor

Re: attempting PDFs over the phone.......

Hello. I would like to arrange to pay this debt in exchange for deletion from all three credit reports, I will need an email agreeing this this.

They will say we don't do this blah blah

You will ask for a supervisor and ask again. If they say no, you will have to resort to writing or emailing or faxing. In fact, try them all. I've gotten quite a few GW's over the phone...just be really nice as they are doing you a favor.

Why cant you admit it your debt if you are going to pay it anyway?
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Community Leader
Epic Contributor

Re: attempting PDFs over the phone.......

First check your state SOL statute and see if it has a reset provision based on payments or firm offers to pay.

 

PFDs are negotiation offers.  Personal negotiations may well speed the process.  Just dont admit to the debt.  Just say you are offering to pay, not as admission of the debt, but rather simply to resolve the matter.

Frequent Contributor

Re: attempting PDFs over the phone.......


Booner72 wrote:


Why cant you admit it your debt if you are going to pay it anyway?


My understanding is admitting to the debt could reset the SOL in some states.  

 

 

Someone please correct me if I'm wrong

Regular Contributor

Re: attempting PDFs over the phone.......

thank you all

 

ttt for more answers