The only collection agencies I have on my CR is for small medical bills. I filed bankruptcy and now they can not come after me for the balance since it is discharged. I know that it will still show on my CR and was wondering if I sent a PFD letter, do you think would they be willing to DELETE the TL since they know they can not obtain this money from me? Has any of you ever done this? If so, did you ask to settle for less? (while using the discharge as a reason)
Also, I was wondering if I do write a PFD letter, should I appeal to their emotional side or just strictly state that the debt is now discharged and I will offer to pay for the deletion?
As far as having the account deleted it is up to the creditor that had it reproted to begin with. You could offer to pay it off so that it comes off. But the fact is it will be deleted from the credit report 7 years from the bankruptcy filing date, but only the bankruptcy itself under public records will stay on for 10 yrs for a ch 7 and 7 yrs for a chapter 13 bankruptcy.