New collections. No letters.

Anonymous · ‎10-11-2017

Hello everyone.
My wife just received 2 new collections on her report from 2012 & 2013. The debts are valid but we never got any letters or bills so they were kind of forgotten about through the years. She always had the accounts listed as a negative account under Verizon but now they are listed under the collection agencies as well. What course of action do we take? What type of letter can we write? We can pay 40% of it but can’t afford the whole thing and really need it off her reports.

Anonymous · ‎10-11-2017

@Anonymous wrote:
Hello everyone.
My wife just received 2 new collections on her report from 2012 & 2013. The debts are valid but we never got any letters or bills so they were kind of forgotten about through the years. She always had the accounts listed as a negative account under Verizon but now they are listed under the collection agencies as well. What course of action do we take? What type of letter can we write? We can pay 40% of it but can’t afford the whole thing and really need it off her reports.

PFD maybe?? In the letter tell them that you never recived any notice regarding the account in no way shape or form.

Also that you dont affirm or deny the account, However to resolve and remedy the situation you are willing to pay 40% of the total debt by such date in exchange for them to remove the accounts from your credit profile.

Hope This Helps.

~ Shawn

RobertEG · ‎10-13-2017

If your questions pertain to the legitimacy of their reporting, a debt collector can report their collection on the same debt that is also being reported by an original creditor.

Additionally, a debt collector is not required to provide any notice prior to reporting their collection to a CRA.

If the debt is legit, and the goal is to delete the reported collection, then making a pay for deletion offer is the appropriate step.

You can offer to enter into an agreement to make payments in exchange for their agreement to delete once all payments are made, but chances of such an conditional PFD that is not supported by settlement of the debt is slim.

Anonymous · ‎10-17-2017

Thank you for your responses. So we should just send off letters willing to pay 40% for deletion? But not “admitting” to the debt. We can’t really sign up for payment arrangements as it just not in our monthly budget right now to make that commitment.