Here is the quick story...this is one of 2 CA accounts on my report...I sent out a PFD letter (based on the canned ones found here) last week and one called today and said, "we cannot delete an item, its against regulations, but we would be glad to settle with you for 50%."
I wasnt sure what to do at that point, so without saying yes or no, I asked for a written contract to review before I make a decision.
THe debt is 2yrs old, within SOL, and is charged off from the OC. I have been making monthly payments per our original agreement, but decided to try the PFD instead. I currently owe 2200, and they offered 1200 and a "Acct Closed, Paid In Full" status.
Do I ask for someone else to try the PFD, or just go with their offer? Is there a better status to work for if they are not willing to PFD?
This forum has opened my eyes that I dont have to live with this burden forever! Thanks everyone!
