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How much should I offer for PFD

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Contributor

Re: How much should I offer for PFD

Ok.. So I called them, and no dice.. They're saying they are not willing to settle for less than 640.00 because the account is in pre legal status. I offered 500.. On a 810.51 debt. So I'm really not sure what to do now. As that was the amount that was set aside to settle this account. Any advice would be appreciated!
Message 11 of 15
Community Leader
Senior Contributor

Re: How much should I offer for PFD

If by pre-legal, they mean they’re preparing to file suit to get their money, you may want to take that offer of $640. You don’t want the hassle of court and the likelihood of a judgment on your reports. You imply that you have $500 budgeted for this - call and ask if you can take the $640 offer but if you can pay $500 now and the balance in a month (or whatever timeframe you can afford - do NOT set up a deadline you can’t make).


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Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 12 of 15
Contributor

Re: How much should I offer for PFD

Ok.. I just sent my mother a text to see how she wanted to handle this. I may just call back tomorrow. The collection agent disposition was nasty, and she was hard to understand! If I do the payment arraignment. Should I request something in writing?
Message 13 of 15
Community Leader
Senior Contributor

Re: How much should I offer for PFD

I would, just for peace of mind - ask them to mail/email you a receipt for the $500 payment that indicates the agreed-upon remaining balance and its due date. You likely won’t need it but it’s better to get it while doing this than trying later.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 14 of 15
Contributor

Re: How much should I offer for PFD

Thank You..
Message 15 of 15
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