PFD or pay then GW?

[How2increase]

Hey guys, I will be applying for a mortgage in the next few months.

I have 2 collections. 1 I sent a PFD and haven't heard anything back yet but it's a small balance 55.00. The other is 1123.00 and it's with hunter warfield. I'm kinda scared to send a PFD because I'm scared they will just get pissed and sue me. My MB says not to pay it now because it will only update, but I want it OFF!! I know I've asked this before but I just want to see if I can get a little more feedback. Should I go ahead and send a PFD, pay it then GW, or listen to my MB and leave it alone until I (hopefully) close on my home????

[LIGHTNIN]

IME, when a CA tried to sue me, I have enough time (3 months)to pay before the court date.After I paid, the CA canceled the court date and agreed to delete the CA from my CR's too.

I would suggest sending the PFD letter, it would be up to the CA on whether or not they will accept.

If they accept great, if not  paid then GW later.

[How2increase]

Ok I'm going to try out the PFD 😏 hopefully that works. Thanks so much for your response

[RobertEG]

The only hitch in sending the PFD is that they have no requirement to respond, so you may just sit and wait.

With a mortgage app planned in the near future, you may be faced with a requirement on the part of the mortgage lendor to pay the delinquent debt as a condition for approval.

If you receive no response to your PFD offer, then you may have to shift to a plan B.