I am dealing with an OC that has referred the charge off/collection to a CA, but the debt is still 'owned' by the OC. The OC insists I deal with their assigned CA, but I need a PFD. Only the OC is reporting. How should I handle this and get my goal accomplished?
Dell? Good luck. They work the same way and I can't make any headway with them. Best option might be settling for well less than you owe. Fortunately for me I live in TX, so there is no wage garnishment here. And I certainly don't keep the amount of money they're looking for in any account they can get their hands on, so I'm essentially judgment proof. My plan is to let them sweat it out another 6 months or so to prove to them that I mean business and won't cave, then see what they're willing to offer.
The hard fact is sometimes you can't make them go away. You will have to find a very good reason to make them delete the account, I don't know if there is anything of legal nature in this situation to leverage. There are always going to be the ones that "stick", and this may be your case. The positive side is if you pay this, you look like you will avoid a CA account tradeline on your credit report.
Pay it before they sell it to a debt purchaser (which they normally do). This is your only option unless you intend to litigate for some reporting technicality (which isn't necessarily a bad thing).
