I received 2 validation letters, now what?

[Anonymous]

I received two validation letters from AFNI and Portfolio Recovery, what do I do now?

[cjane1]

How old are these collections and are you planning on doing a PFD or GW?

[Anonymous]

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@cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?

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Let the negotiations begin!

[Anonymous]

Presumably they validated your debt.  Is all the information correct?  How much are the collections?    What is your goal?  Do you wish to have the collections removed completely?  Or just show as paid?  Do you have the money to pay the debts in full? Do you need time?  Do you have time?  Depending on your answers, you may want to negotiate with OC to pull the debt back from the CA.  Depending on if you will deal with the OC or the CA, will determine the answer to your “what now?” question.

[Anonymous]

They are from 2010 and 2012.  I have send them PFD letters last month but I got no response.

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@cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?

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[Anonymous]

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@Anonymous wrote:

They are from 2010 and 2012.  I have send them PFD letters last month but I got no response.

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@cjane1 wrote:

How old are these collections and are you planning on doing a PFD or GW?

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What is the SOL in your state?

[Anonymous]

4 years I believe, CA

[cjane1]

I will PM you the emails for AFNI. I paid my collection then emailed to the first person on the list and it was taken off my report within 4 days. I didn't get a return email but when I looked on Credit Karma 4 days later it was off.... The collection you have from 2010 can you wait for it to drop off?