Mega Contributor
RobertEG
Posts: 18,431
Registered: ‎03-19-2007
Re: Portfolio Recovery offer
[ Edited ]

If their options were payment options that did not specify that the credit reporting would also be deleted, you dont have an option to select at this point.

You have a counter-offer to present.  In my opinion, making a counter offer in writing is not absolutely necessary, as it only has any weight if they accept.  It is their acceptance that you should definately get in writing prior to making any payment.

 

I am not one who recommends categorically that a consumer should never call a debt collector.  You are negotiating.  Personal discussions might have a postive impact, and at the least would save a lot of paper back and forth.  Just be careful not to admit to the debt or make any firm commitments until they respond in writing.

 

Prior to deciding to offer a PFD, what is the SOL status of the debt?   They have their own options, one of which might be bringing civil action.