@Anonymous wrote:
What is "reseting the tolling"???...if you make a payment..you are reseting SOL...when you GW...it's usually for a paid collection...or an account with lates or something...explaining you situation...and basically asking for forgiveness...and in return wanting the lates removed..or want the collection removed...a DV if more of a...show me thing...if a company says you owe them...all you are asking is proof of that...PFD...is when you know a debt is yours..and you agree to pay..but you would want the TL removed in exchange...it's a win win for both parties...you can easily not pay them anything...and wait for the TL to be removed...but if you pay them...they get their money...and you get the TL removed...all of this is legit...and people owning up to their debts...but also...being forgiven..and given a little help for that...
By "resetting the tolling" I meant resetting the SoL. I've heard (and I don't know how much of it is true) that just admitting to a debt can reset the clock.
Does PFDing make the CAs mad? Is it better to just pay the thing and hope they'll respond to a GW?? I think that's what's got me the most confused (not that it takes much to confuse ME, LOL!) ...
I've heard a few debt collectors on another forum I frequent say that receiving a PFD really makes them mad and insulted ... but to me it seems that you're protecting your interests more if you PFD on the basis of not knowing if the debt is yours or not and just wanting the TL GONE.
(I really truly don't advocate stiffing a creditor in any way, shape or form -- I hope you know that!! I just don't see the point in doing something stupid that would reage the account and make life even harder than it HAS to be!!)
Did any of that make sense??? :/ Really and truly, please excuse my ignorance!! This is all REALLY confusing!!!! o_O
