I was thinking, if someone were to write an OC and explain that they owe the debt, but were having difficulties in their lives at the time and ask for a goodwill adjustment, What happens if they say no? Haven't you just admitted in writing to a creditor that you owe the debt and now that hurts your chances of ever being able to dispute it? Just a thought.........
Why are using that user name? Is it because you were previously banned from here and needed another ID to get in?
First of all, the Goodwill Letter isn't intended for use with debts that are being challenged. It's designed for accounts in good standing with isolated and minor late payments. The FAQ provides links to more rationale, testimonials, and the letter itself. Doc
