and another question, please!

[Anonymous]

No it's not beyond the SOL, this was very recent.

[Anonymous]

If the account is not beyond SOL and you can not PIF and the CA is not actively trying to collect, contacting them may do more harm. They may then realize the debt is within SOL and decide to sue. If they realize you are trying to clear up your report, they may think you'll call them up and PIF if they file in court.

You just never know how they are going to react.

So, contacting them at this point would be at your own risk.

[Anonymous]

The CA is actively trying to collect. They just rec'd the acct from HD yesterday and that is why they already started calling today. And I am assuming that's why we have not rec'd a letter.

[Anonymous]

I forgot about the part where you said they were calling.

They are supposed to send you a letter within 5 days of initial communications.

[Anonymous]

I guess they are really on the prowl, huh? So when and if I receive a letter from NCO, I guess I will PFD them and not HD?

Why am I so confused about all of this? The more I research it, the more my brain frazzles.