I'm working on Accurate Account Solutions for a collection for Wright & Filippis for $98. My original PFD was responded to without comment (I used the Tuscani one) but simply a photocopy of an invoice from the OC. I didn't include them in my recent pre-HIPAA correspondence. I've sent them 2 PFD requests through their website with no response, and 1 via mail. I'm considering sending them this:
I am writing regarding this alleged debt. This is not an acknowledgment of this debt, but rather an attempt to come to a mutually beneficial resolution of this item on my credit reports. My proposal is this: I agree to pay the $98.00 by money order, and Accurate Account Solutions agrees to consider this matter closed and satisfied, in addition to deleting this item permanently from any credit bureau to which it is being reported. If this is accomplished within 30 days of receipt of the funds, it would be much appreciated. I hope these terms are satisfactory – if so, please send me an agreement to these specific terms on company letterhead signed by an authorized party. This can be emailed to me at myemail@fakeemail.com via pdf if you wish to expedite this, or at the address above. Thank you for your time.
Does this seem too demanding? This is set to fall off my reports in September 2012, and is within SOL. Yes, I have the cash to PIF and that's what my offer was. I'm considering going against traditional wisdom and actually call them because of the non-responsiveness to date. Should I just scrap this and HIPAA them?
[edited to remove an inadvertently active email hyperlink. - Lel]
