Hello my fellow Ficonauts,
I need a little advice with a medical collection and I'm hoping all you smart & experienced people can help me with a strategy.
I currently live in Las Vegas and Grant & Weber has an office located here in town.
I need a deletion letter for my real estate agent to perform a rapid rescore. The bill is $5,326 and is reporting to TU and EX
For once in my life I'm actually in a position to pay the bill in full on the spot.
I'm thinking of brazenly going over to G&W's office and asking them to draw me up a deletion letter for immediate payment of the full balance.
What do you guys think of that strategy?
I figure if I go over there on a Friday at around 3pm before they close, they may be anxious to clean up a $5,000 account before the end of the business week.
I'm thinking if I send a letter first, it puts them on their guard and they have time to formulate a pre-planned response on how to handle me.
I don't need that.
On the other hand, if I show up waving $5,000 bucks, it might help.
Any thoughts?
Also, any idea who I need to speak to about that? An account manager or someone higher?
Does anyone have any experience dealing with this company?
-Thanks in advance for all the assistance!
I love this forum.
@RobertEG wrote:It depends upon how concerned they might be about putting into writing an agreement that is contrary to CRA policy.
They may do it in order to get the immediate $, and ignore the remote chance that it might effect their credit reporting agreement with the CRAs.
I would certainly give it a go.....
Thanks. I'm hoping thats the case. I don't need an agreement just a deletion letter my agent can forward to TU & EX
Any idea who has the power to make those kind of decisions? Any account rep or does it have to be a manager or something?
@Anonymous wrote:It's my understand that the manager generally has to sign off on that. I'm curious how this turns out. You might want to come with a cashiers check in hand...most aren't set-up for cash.
How old is the debt? The older it is, I think the better the chance you have.
It's scheduled to fall off 7/2016
@Anonymous wrote:It's my understand that the manager generally has to sign off on that. I'm curious how this turns out. You might want to come with a cashiers check in hand...most aren't set-up for cash.
How old is the debt? The older it is, I think the better the chance you have.
UPDATE: Grant & Weber is vanquished!
The company pulled the account away from Grant & Weber and out of collections in exchange for full payment.
Grant & Weber deleted in like 1 week. I was expecting a deletion letter for a rapid rescore and checked my credit reports this morning to a whopping 67 point jump!
NO MORE COLLECTIONS!!!
Thanks everybody, this forum F@#$** ROCKS!!!!
I went in person to pay a collection agency once. They have a protective glass partition that I'm guessing is bullet-proof. Through a little hole in the glass, they told me that even though I showed up with a cashier's check, they were not reporting the payment until it clears, which would be over three weeks. I just stared at them for a few seconds, and asked them what the point of a cashier's check was and the lady just said, "I don't know, I don't know why they keep telling people to get a cashier's check."
The whole experience really sucked, because I drove to their office, disappointed in myself to have let the situation get to that point, then I had this bad exchange, then I drove home feeling crappy because even though I paid my debt in full, there was no satisfaction in at least getting the matter taken care of, because there was still a long wait before it was resolved. Of course I had to call them multiple times to get them to report the payment, because they didn't do it according to the schedule they had promised.
So, to sum up, paying in person sucks.
