Hello all. I need some assistance/guidance on how to handle this situation.
I've recieved 2 sets of collection letters from Jefferson Capital all within a few weeks of each other.
The 1st set was the initial contact. 'We have acquired your debt. You have X amount of time to dispute this. yada yada yada.
The 2nd set were offers to settle. These 2 sets of letters were all sent within weeks of each other. Still under the time to dispute if I wanted to.
1 collection amount is about $580
2 collection amount is about $280.
These are not on any of my reports as of today. These 2 debts were also under True Accord back in 2020.
They did all their communication via email which I never responded.
My question is, should I settle this while it's in the initial stages. I have some disposal income
and I could handle this if need be. Should I reach out and offer them to settle with the stipulation of them not reporting to bureaus?
As a sidenote, the 2nd debt of $280. The letter says they will NOT sue or report to the bureaus if or not I repl. Yes, it says exactly that.
Thoughts? Any other you need to assist with this? I appreciate it.
