Hello to all, I have been a member of the board for a long time and have read all of the FAQs and numerous posts on the board. I have requested my credit reports and read through them all and I am now working on many different aspects. I have a chargeoff from First Financial Bank in South Dakota. The total amount owed on the account is $1200.00. The account was opened in 1991 and charged off in early 2000. The account has been turned over to a collection agency with a really nasty collection agent who curses on the phone..... What would be the best way to handle this debt? I don't mind paying the balance in exchange for deletion/pays as agreed, however, I am not sure if I should first send a validation offer or send a settlement offer. If I do send a settlement offer..... would you offer a full settlement or offer less? (Which is more likely to get a deletion?) Also, do I deal with the OC or the CA? I would prefer to deal with the OC. Thanks in Advance for your help!!!!!
1*The account was opened in 1991 and charged off in early 2000 2*nasty collection agent who curses on the phone. 3*I don't mind paying the balance in exchange for pays as agreed. 4*I am not sure if I should first send a validation offer or send a settlement offer. 5*If I do send a settlement offer..... would you offer a full settlement or offer less? 6*do I deal with the OC or the CA? 7*I would prefer to deal with the OC. govtechmed ================= Validation must reads Per Humblemarc http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=343640#post343640 1*- BUT:What was the DOLA on this? 2*Why are you talking to them on the phone? ? ? ? 3*Bad Choice: That is no better than it is now. 4*It's Simple. Never pay an un validated claim. 5*I don't pay anything to anybody who hasn't proven that I owe it. 6*Who owns the debt? 7*Why When you have better protection under FDCPA laws? ? ? ? ? THE END ** *** ** LB 59 """""""""```~~~```'""""""""" P.S. For more information click on the link beside the green words below.
