help please!

[nodak64]

I was contacted about a 3 year old debt through a collection agency. This is what I know.

Its currently only on 1 of my reports.
Its tuition, originally 1900 now 3100 after fees.
School still owns the debt.
Quick convo with CA rep sounded receptive to a pfd.

What should I do? Contact school or ca? Any advice would be appreciated.

[aurelie00]

Can you afford the PFD on that?  If so...I'd say that's def the way to go.  If the school will recall the debt from the CA if you pay them directly, i'd go that route.

Good luck!

[nodak64]

I can afford it. If the school recalls does that mean the ca can't report it anymore?

[guiness56]

Yes, if the school recalls it the CA cannot report.

But, if the school isn't reporting and the CA will do a PFD I would go that route.