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Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012

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............

Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012

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

ttt

Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

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
Mega Contributor
RobertEG
Posts: 17,213
Registered: ‎03-19-2007

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.

Regular Contributor
Middleswarth
Posts: 160
Registered: ‎08-31-2011

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


Starting Score: EQ 603 (12/18/2011), TU 621 (10/01/11)
Current Score (7/14/12): EQ 630, TU 691, EX 670 (bank pull)
Goal: 730+ by August 2014
Wallet: NFCU Visa (10k), USAA Secured MC (5k), American Airlines CC (2k), US Airways MC (1.5k), Discover More (1k), Macy's (600), Cap One (500), and Kohl's (400).
Garden planted. Working on the weeds.
Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012

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

thank you all

 

ttt for more answers


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