First response from PFD letters..

[Anonymous]

So I mailed out a handful of letters last Monday and then on Thursday I received a response letter back from Bus& Prof.. A medical collection account from 2010.  I was so surprised at the quickness of a reply! Heard nothing from the others as of yet but here is what Bus & prof had to say in response...

We received your letter in regard to the above accounts(radiology associates for 92.00 and Atascosa County ER physicians for 279.00).  We are unable to accept a settlement on these accounts.   We would be willing to delete both accounts from your credit file if payment  in full, 371.00, is received in our office within thirty days from the date of this letter(would be 11/22/13).  Please contact our office with any questions.

So this is good and bad.. No settlement means more out of pocket for me but it is a delete! How should  I approach this?  I am willing to just pay the 371 next week and have them delete this.. Is this the best way to handle it? .. Any suggestions?

[newmomnewme]

Congrats on getting the delete. I would send full payment ASAP, then call and remind them of their end of the deal. Good job!!!  I made the mistake of settling most of my accounts (before joining this community)...I saved $$, but my score didn't improve. Now, I am sending GW removal letters to the paid collections and I haven't received any positive responses yet. I think we are in a better position to get baddies deleted when the accounts are unpaid. 

Congrats again!!! Keep up the good work. 

[Anonymous]

Thanks so much! You know.. everything else aside, I think I would just feel better by paying it in full.... Actually knowing that I am working toward bettering my credit and paying off everything  really makes me feel better about the process! I just wish it didnt take so looong...ha!

[benandjerry]

Take the deal and PIF. It is your debt after all? 

[Anonymous]

Hi,

What template did you use for your pfd's?