full of questions!

[Kizzel00]

Me again! So as I've laid out my debts, and have a couple questions. My garnishment is done on my next paycheck (9/17) on that paycheck I plan on paying 2 debts, Eos Cca $195 ( pending response to pfd that will be sent out a week before the 19th) and $99 to sprint ( very late, account is closed, but they the debt back from CA and I setup auto pay for this payment, CA never reported to CRAs, so this will not show up as collection which is why I decided to pay it like that.

After this paycheck I will have 300 more per pay to work with which I plan on using to paydown debt. I owe Verizon $306, they have hires a CA since June to collect, but they still own account (Ca is Receivables performance) Do you think if I call them on Monday and setup a payment on Oct 3 they would accept and pull account back from CA? I would register my debit card for payment, and the CA has not reported to CRAs, which is why I want to get this taken care of asap.

Also on my Oct 3rd I'd like to make a payment of 60 to Comcast, the account is 541 days delinquent, but I called and confirmed they still own the debt, they have hires a collection agency also, have to call their collection department on Monday to find out who (I'm guessing cavalry or midland as both of those report as soft pulls on my credit) I owe them 283, so a 60 dollar payment on the third and then the remainder on Oct 17th, their CA hasn't reported to my credit yet either, do you think their own collections department would accept those terms of 1 payment of 60 on Oct 3rd and then 223 on Oct 17th and retract the debt from the CA ? On my Oct 17th paycheck I also can pay my Credit coll(progressive debt) account of 163 off in full, it is reporting on my credit, so PIF would depend on a reply to Pfd I will be sending to them in October.

Then alls that's left is my capital one chargeoff, they list as a 0 balance on my credit, and sold or transferred account in Nov 2012, DOFD was in 2009, its kind of weird that who they sold the debt to hasn't reported anything in almost a year that they have owned the debt, I believe it to be Midland or Cavalry, because they are both listed on my soft pulls in my credit, but aren't reporting anything to the CRAs so I have no clue which has what debt, but I owed them 600, which I can PIF on my Nov 14th payday, now since the capitol one CA hasn't reported to CRas and they still haven't by then, do you think I should pay in fu or do settlement since the CA hasn't reported anything onto my credit? Lots of questions, but as you can see I have lots of things that can report at any time, and for someone trying to rebuild credit, having 3 more collections show up on my credit would be devastating!

This forums great, thanks in advance to anyone who answers on how I should proceed with the above accounts!

[Burned2manybridgesB4]

Can you break up the neverending paragraph, so it's easier to read/take in?

[Shogun]

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@Burned2manybridgesB4 wrote:
Can you break up the neverending paragraph, so it's easier to read/take in?

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Done.  

[Shogun]

I always try to deal with the OC if it's possible.  The last one that has a $0 balance was probably sold, so you would have to deal with the CA on that one. 

[Burned2manybridgesB4]

OP, you're actually in a good situation, as you state most of the OCs are just "farming out" to the CAs. Retractions has become your favorite word/goal. The mystery debts may/may not surface once your credit improves. You may want to research "opt out," while repairing.

[Kizzel00]

More help is needed ( I'm typing all on phone, so sorry for long paragraphs) I contacted Verizon, they confirmed they own the debt, but it must be settled with CA as the account no longer shows in their system. Fine. I call CA, I offered to pay in full on Oct 3 which is when I can pay. They say they can't, they can only put it out to the 30th. They have had the debt since May 31st, they say now that they have contacted me on the phone for the first time today ( I called them), their system will now automatically report to the CRAs, funny, I found out about them having my account because they called me weeks ago! He then says well we see your credit score is 691, I wouldbt want that to be hurt by this reporting to Equifax, experian, and transunion. That's funny also, because my fico score is 542, and none of my fakos are even above 570. So frustrated, I wanna do the right thing, but their making it impossible. Oh and he also was like, wait a minute and said "mindy, if we post date his check for the 30th, it won't clear for atleast another week right?" The dude was talking to himself to conn me into making a payment on the date he wanted it by! Nobody in Verizon's customer service, billing, or financial services could help me. What should I do? How can I get them to retract this stupid debt and make the payment schedule with Verizon? I don't want to settle, the guy at the CA kept trying to get me to accept a settlement of 20 off the 306 owed. I want to PIF! Help please!

[Anonymous]

He is feeding you BS.  You are not on a payment schedule with a CA, you pay when you can.

He could have been referring to the settlement offer and it was only good until the 30th
.

Their system doesn't report due to contact with you.  They report to the CRAs when they want to.

As for your credit score, he is using that as a tool to get you to pay.  Coercion.  It is illegal.  They cannot threaten, even subtly, with harm to your credit score.

I would just wait and pay when you can.  If the OC told you you have to work with the CA then you will have to.

[Kizzel00]

No, he said the settlement is only good for today. Well good, because I don't want to settle, and kept trying to tell him that Oct 3rd is the earliest I can pay. About the coercion, if its illegal, what could I do about that? File a report with the bbb? I don't want to piss them off, but if I can use their own mistake in saying that, against them in hopes of them not reporting, then I'm all for it.

[Anonymous]

It is an FDCPA violation not a BBB complaint.  BBB is more for poor business practices.

You could file complaints with the FTC and the CFPB outlining your conversation,

[Kizzel00]

Thanks for all your help guineas! Another question, on my soft pulls I noticed midland did one in July, but there was also one from asset acceptance. Well my transunion report just showed me that capital one sold my charge off to asset acceptance. Well doing some research, I found out Midland/encore bought asset acceptance back in June. Do you the Asset Acceptance and Midland pulls were both for the capital one charge off? Because honestly I don't know what other debt I could have if it isn't The Capitol One.