PFD work?

[cjane1]

My credit score is horrible. If I call the companies I owe money to or the collection agencies and ask for a PFD are most companies willing to accept the offer since they will get paid.

[Anonymous]

Each creditor/CA is different. There are a lot of factors that came into play and some outright refuse PFD no matter what.

I wouldn't suggest you calling them all, as I almost always advise people to do everything in writing so you have a paper trail. Only on the rare occasion would I advise someone to call. 

If you would like to provide a little more detail about what you are dealing with, then maybe we can offer you some specific advice on what to do. 

Things like CA dealing with, DOFD, if beyond SOL or not, if you can PIF, etc would be a start. 

[LIGHTNIN]

If you haven't already, get your  free CR's from annualcreditreport.com,they have more detailed info, that you'll need.

You can get a free CR from each of the 3 CRA's every 12mos. You may use the link below if you wish