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Discussion in 'Credit Talk' started by bfllover, Jul 11, 2001.
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I would send them a letter by mail C.R.R. ask for Validation, bearing my signature, along with a cease and desists only in writing my they contact me. Now that you have called they WILL try to call you back and hassle you.
Hope this helps!!
Martysgirl,thanks I will do that but should I just go ahead and pay,since they said on the phone that they will not delete the item if paid,only list it as paid.I am afraid of making a mistake that is irreversible.
DO NOT pay it yet. Only pay when all else fails. The payment is your only bargaining chip!
Look at it this way... If you pay it ... it is still a BIG FAT NEG on your report and it will not help you at all!!
I would first send the validation letter to the collectors by mail. If it comes back and they can provide to you your signature. Then... you write to them negotiate with a lower price and and Deletion of the collection account. Start strong then work your way down. Usually, they will send a counter offer. BUT NO MATTER what do not pay them Unless they Delete it. AND get this all in writing!!! I can't stress this enough. That way if they put back on one of your reports 2 years from now. You can fax the letters to the CRA's and THEY will delete the collection account.
Keep strong. and time will help... I PROMISE.. ;-)