Who has experience doing a PFD?

[Anonymous]

I have a medical bill in collections from 2004.  It is $801 total.  I am now in a position to pay it, however the CA has not been "knocking."  Should I wait until they contact me, or should I send them a PFD letter right away?  I need to get this taken care of as we are looking to purchase a home in Spring.  Also, what reason would a OC or CA have not to accept a PFD?  They are getting their money, it's a win win for both parties.  I would go to extent to literally photograph the cash and say "you can have this if, and only if, you delete all record of this from all 3 CRA...

[Anonymous]

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Barracuda wrote:

I have a medical bill in collections from 2004.  It is $801 total.  I am now in a position to pay it, however the CA has not been "knocking."  Should I wait until they contact me, or should I send them a PFD letter right away?  I need to get this taken care of as we are looking to purchase a home in Spring.  Also, what reason would a OC or CA have not to accept a PFD?  They are getting their money, it's a win win for both parties.  I would go to extent to literally photograph the cash and say "you can have this if, and only if, you delete all record of this from all 3 CRA...

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Who is reporting it on you CR....the OC or a CA???

[Tuscani]

Send a PFD letter to whomever is reporting.

[Anonymous]

The CA is the one reporting, if it makes a difference the company is a small one I think.  It's Central Professional Credit Service out of Cadillac, MI.  The most recent letter I have from them is Oct. 19, 2005 although I've moved twice since then so maybe they can't find me??

[Anonymous]

read you PM