I have sent 1 GW letter to them every day for the past month almost (email and snail mail) and still have no outcome... lol....
No, i would send them a DV (if you havent already) CMRRR and state to respond by mail only and then do a PFD if they come back saying the debt has been validated.
My first offer from Midland for immediate pay off was about 90% of the total. I was able to get the guy to 75% on the first call and he wouldn't budge from there. I had it faxed over in writing within 5 mins and paid it immediately. I don't know if they regularly reduce more than that, but I know that you can get 25% knocked off without a lot of effort.
I had zero luck doing a PFD with Midland and so far I've had no luck with GW after the fact, but I'm still trying to get them deleted.
If you go to their website and enter the info..they most often offer you a 60% settlement for a one time payment or an 80% settlement for 6 payments.
So I thought i would post an update to my situation. I spent roughly a month trying to get be able to talk to the guy that was holding my account and finally I got tired of trying and just quit messing with it. Yesterday I recieved a letter from a lawyer in Arkansas that is taking care of this debt for midland. It wasn't a summons to court as far as I can tell from the letter. It basically told me if you like to disput this debt you have 30 days to mail them a letter asking for validation it also says at the bottom to call if you would like discuss payment options. I was going to mail them anyway to try and buy more time but should I mail them a letter asking about the payment options to the account or just call?
Just another update haha! I went ahead and called and they are a thousand times nicer than midland. They said I could pay 500 settlement or pay 65 a month until paid off. They said I have 30 days to call and see which one they wanted me to do.
It kind of sounds like you're back where you started with the thread. I would suggest paying the settlement in full, try not to make payments whenever possible.