Final Step need Advice.

Anonymous · ‎10-10-2008

My debt was Validated and I want to try a settlement offer.

I have tried to do a pay in full for delete but they wont delete just update as paid in full. They will not budge. So why pay the full amount then.

I'd rather do a settlement offer but don't know how to go about it.

This is to Midland and what I owe is 3,074.00. What should I start with maybe offering them 900.00? Will they laugh at that offer? What is a realistic offer settlement they will take?

Should I call them with is offer first or do it by writing?

The SOL is not up till Oct,2009.

Anonymous · ‎10-10-2008

Who owns the account?

Anonymous · ‎10-10-2008

Midland Management out of San Diego

Anonymous · ‎10-10-2008

What's the DOFD and are you sure the original creditor doesn't own the debt?

laz98 · ‎10-10-2008

I wouldn't give Midland the lint in my pocket!

Junejer · ‎10-10-2008

Deesown, HappyDays was asking who owns the debt, because that is a very important step. Did you send them a DV, before the PFD?

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Anonymous · ‎10-11-2008

when they sent me validation back it was a copy of a stement with chrgeoff amount-

So should I call the OC see if they still own it? And if Midland owes it should I just try and settle with them I know I owe this debt but i dont have the full amount they are requesting.

I would like to settle for me paying them like 900 or even 1200 but I dont think they will accept the offer.

I don't want to get sued I just want to be done with this

Do you guys think if I try and settle and they dont accept and go ahead and sue me , if the judge sees my letters of settlment offers they declined, would the Judge be mad at them for not trying to work with me????