Hello Ya'll,
I have questions about a CA collecting for a CA:
I sent a DV letter to Asset Acceptance LLC (collection agency) on September 15th. I originally thought this debt wasn't mine (before I sent the DV).
But found some papers that confirmed it is mine (after mailing out the DV).
Today I received letter from First National Collection Bureau.
According to the letter, First National Collection Bureau is now collecting on behalf of Asset Acceptance.
The letter proposed a settlement with a 60% discount off a $1300 debt.
My questions:
Should I wait it out for Asset Acceptance to respond to the DV?
Or send a DV to First National Collection Bureau as well?
I've been pursuing PFDs with other CA's but it would be a lot easier to just take these people up on their offer and skip the PFD work. Will the impact on my score be considerably better if I PFD vs just settling the debt?
