I have a med bill for $473.00. I know this belongs to me..:-( I haven't payed it because i think it's messed up that they charged me that much to super glue a cut on my sons forehead shut (15 min er visit) Anyways,I know this firm will sue me(they did about 8 yrs ago for a surgical bill) So this is what I came up with...... To Whom it May Concern: Please understand that this is in no way an admission of liability for this debt.If you will acknowledge that this is not an admission of liability and that all parties will keep this settlement confidential, then we can can resolve this immediately. Below is my offer. It is not a renewed promise to pay nor does it constitute any agreement unless signed by you and returned. Be advised, I have not agreed yet that this debt is mine and have the option to seek further proof from your agency of this debt. I am sure you are aware of my right to dispute this debt and request full proof of the obligation. Paying this unverified debt to you means little to me if we cannot mutually agree that you will report the debt as mentioned below and that you will never seek litigation in this case. I have concurred through the bureaus that you have the absolute right to report this debt as you see fit or not report it at all. My goal is to arrange a term acceptable to both us since this debt is questionable. Below is the terms of this agreement. Listing of the terms of the agreement: 1) I, --name-- , will agree to pay the sum of $ 150.00 as full payment for the full satisfaction of this account. 2) Your company agrees to permanently DELETE the entire tradeline on all of my,--name-- and my spouses, --name--- credit reports. You agree to do so within 72 hours of receipt of payment by faxing UDF to the credit bureaus. ( This applies if this was previously reported to any of the credit bureaus) 3) You agree to never seek a judgement or any or any form of litigation agianist me, --name-- or my spouse, -name--. 4) Your client, WTF Hospital, will agree that this agreement remedies any and all claims and collection of debts for purposes of accounts held or previously held by me, --name-- or my spouse, --name--. 5)This agreement supercedes any and all previous contracts and/or agreements between your client, WTF Hospital and me, --name-- or my spouse, --name--. 6) You agree to never report this account to any credit reporting agency at a later date. If you concur with these terms please acknowledge with your signature and return it to me, within 10 days of receipt of this letter. You agree the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. Upon receipt of this signed acknowledgment, I will immediately mail you funds priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. "When I receive this signed agreement, I will forward a check to you containing a restrictive endorsement with the above terms." _________________________________________ Now this is what I put at the bottom of this agreement: IF YOU CHOOSE TO NOT ACCEPT THIS GOODWILL OFFER FOR SETTLEMENT: ***Please also be aware that this is written notice that I am requesting that all collections of this debt be done through the mail only. Any phone calls recieved from this date forward will be considered harrassment and will be dealt with as such. (This is often called a "cease & desist") Please also consider this notice of dispute. I would like validation of this debt. A computer print out will not be considered valid proof of debt. Please summit a copy of the original contract bearing my signature showing a contractual obligation along with statements of this account . Please summit requested documents for my review within 30 days from date of reciept of this letter. This request is made in accordance with the FCRA. So hows this look???? Opions needed and greatly wanted.I suck at writing letters......lol
When you say 'firm', are you speaking of a collection agency or an attorney debt collector? If so, do you have the original bill as well as the bill from the CA? Are they for the same amount?
I don't understand the tactic of not acknowledging the debt and indicating that you reserve the right to dispute the debts validity at a later time, but at the end of the letter, you want validation. If I were the collector, I would search for a means of validation before I took you up on you settlement offer.
Okay,I see your point after reading it agian.I'll take off the validation request at the bottom. Thanks
