Hello, Hope you found my thread on success with pay to delete . Sorry I can't post a link in my thread because I am a newbie You will just have to search this forum for it. Now on to my questions I sent the same request for pay to delete letter to NARS collection agency (Chesterfield, MO). They won't respond, also the last demand for payment they sent me was in May 2011. If I am sending letters to request a payment agreement, and they are refusing to reply or just not bothering because the debt (300 USD) is to small to be bothered with what do I do? Is there a way to get it removed from my credit report? Have you had any success with this? Please reply with detailed instructions and sample letter text if you have.
The CA isn't required to respond to your PFD. That alone won't help you get it removed from your credit reports. Have you disputed through the CRAs?
Is it possible to get an account deleted if the collection agency refuses to respond to any letters from me? Is there a series of letters or steps I should follow in this case? A link to sample letters would be great
Their lack of response alone doesn't warrant removal from your credit reports. Have they properly validated the debt yet though? Also, here's a link to our Sample Letters section if you haven't already come across it: Sample Letters
The CA isn't required to respond to anything. Even a debt validation request. The only requirement is that if the validation is timely, they can not continue collection activity. You can always dispute the trade lines with the CRA, some CRAs will not allow you to dispute more than once without a good reason, so you want to make sure that you make the first dispute count.
BTW: amount of the account is probably not as much of a determiner of whether or not they'll respond as well. Unless we're talking about an account where they will likely recoup less than the cost of a stamp, they'll want to do anything that they can to try to get every penny that they can. Larger factors are more than likely age of the account, because the OC may not keep documentation past the Document Retention Period. If the OC has destroyed validation documentation, the CA may be unable to validate the information that they received from the OC.
There is something to be said about a CA that will respond to a CRA (dispute) but no to the debtor (directly)... That in itself is grounds for a suit IMO.
nunna, what sounds like grounds to a suit to us, may not wash in the actual court. NOW, if the consumer sends a demand for validation, THEN disputes the account after the CA receives the VALIDATION REQUEST, and the CA validates the account, there would be a CONTINUED COLLECTION ACTIVITY cause of action. But I highly doubt that the CA failing to respond to a consumer's request for a PAY FOR DELETE will rise to that level.
