ATT collections with ERC

Longdistancerunner · ‎12-12-2019

Good evening,

I received a collections letter from ERC about an unpaid att bill that fell through the cracks when I moved 2 years ago.

I see that they have not reported to credit bureaus yet.

Totals is $271.62 but they offer several settlement options.

I'd rather pay the whole thing and get this over with before it goes out to my report.

What is a popular course of action that you may suggest?

*Call the CA and make them a counter offer such as offering to pay the whole thing in full and in return they keep this whole thing not reported to nay bureaus.

or try to pay to ATT?

Thank you for your input in advance.

FireMedic1 · ‎12-12-2019

If they are not on your report. Call AT&T and ask them to recall the debt in lieu of payment since they still own the debt. Good Luck!

Anonymous · ‎12-13-2019

^^^ agreed completely. Do it fast though so that if AT&T says no, you have time to contact ERC with the pay for no reporting request. And since they aren't yet reporting, I wouldn't even mess with trying to get a lower amount. Tell them you'll happily PIF right now on the phone if they don't report. Give them incentive to work with you, rather than incentive to think you're a pain and go ahead and report.

Anonymous · ‎12-13-2019

@Anonymous wrote:
^^^ agreed completely. Do it fast though so that if AT&T says no, you have time to contact ERC with the pay for no reporting request. And since they aren't yet reporting, I wouldn't even mess with trying to get a lower amount. Tell them you'll happily PIF right now on the phone if they don't report. Give them incentive to work with you, rather than incentive to think you're a pain and go ahead and report.

Whatever you agree to with ERC or AT&T, get it in writing first. You would be surprised how short a company's memory is once they have been paid and nothing is in writing and all agreements are verbal.