ekb117 wrote:I have a question along these lines... I have 3 collection accounts and I have made payments on each one already, can I still send a PFD for the final payment? All are scheduled to be paid off with a final check on 5/15 and the amounts are fairly small ($88, $94, $106) so I'm not sure if it gives me any leverage. Most of the PFD letters I have seen look like you should have sent them before making any payments, but unfortunately I didn't know anything of PFDs when I started paying. Any suggestion on possibilities for getting the info deleted? I'd rather have them paid in full because they ARE my debts, but bottom line is what's best for my scores is what I'm interested in.You might modify the PFD letter and try. If it doesn't work, then send GW letter after they are paid.I also have a Cap One account also in collections (I know, I'm a mess) that I have made one payment on, but now I'm thinking since I made the payment I acknowledged the debt and lost any leverage. The amount on that is $769, so if they demanded payment in full for deletion I can cover it. Does one payment also lose me the advantage, or should I attempt the PFD as though I haven't sent a payment?I don't know if making payment acknowledges the debt or not. But I'd still send PFD and see what they say. Have you DV'd?Thanks for any feedback!
I have a $20 collections for Time Warner Cable a $29 collections for Verizon (which I paid, but can't find my carbon copy of my check to prove it), a $56 collection for a medical thing and a $188 for a medical thing. The Time Warner and $188 medical thing is from 2003 and the $29 is from 2005 and the $56 is more recent. Should I pay these off or will they wake up the seven years?? Thank you!