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Discussion in 'Credit Talk' started by DAIBHI5, Aug 7, 2003.
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How old is the debt? When did it become delinquent and never get paid on again? What kind of debt is it (verbal contract (e.g., dentist office bill), written (credit card, auto))? What state do you live in? What type of corrospondence have you had since the debt became delinquent and you stopped paying (phone only, letters back and forth, etc.)?
All of these are factors.
Don't pay SQUAT until you get it in WRITING from the OWNER of the debt that they will REMOVE ALL REFERENCES to the account from the credit histories EVERYWHERE.