Re: PFD Q&A, Examples, and PFD Success Stories
02-23-2014 05:50 AM
DO NOT PFD!!!
DV the debt!! I had 4 accounts ( 3 in collection and one previously paid off account.) , two of the collections I had already made payments on when I did a little research. I wrote all of the letters myself and all four accounts were DELETED! They even REFUNDED my payment! The charge off account was totally wiped from my credit report. Now I am free and clear!
Never talk to them over the phone, letters only! Request they do not contact you by phone or this is considered harassment. Being meaningful in your letter and show that you know your rights and what you are able to do if they do not DV the debt