Hey Guys, I have a situation that I am unsure on how to handle. I sent a check with the Accord and Satisfaction conditional endorsement on it to the original creditor for a collection account. It is only for $68. I also sent along a letter explaining the endorsement. This A&S was payment for deletion. Today, I received a letter from the OC that they are more than happy to do this. Provided that I do the following: provide the names, addresses, and phone numbers to the credit bureaus with an explanation. This is my problem.....I need to craft a letter of explanation from the Dr. to the cra's for deletion. I need to make sure that all my bases are covered and I guess that I also need to make sure they notify the CA handling the account. So, does anyone have any idea of exactly how I need to word these letters? I would be most appreciative of any help that I can get. Thanks.
Let me get this straight: They want you to draft a letter that will appear to be from the Dr and will be addressed to the CRAs explaining the situation and requesting deletion?
Correct. They have agreed not to cash the check until I send the letters. When the letters are received, the doc will sign, they will send off and mail me copies as well. I really don't want to complain too much. They have agreed to payment for deletion. At least this way, I can say what needs to be said and not leave it up to them.
Sounds fishy. They could turn around and claim fraud. What I would do is prepare the letter, say what has to be said, and leave a spot for them to sign. However, somewhere in the letter you want to put something like "Letter prepared by your name". That way nobody can claim you were trying to defraud anyone.
I understand your concern. I actually know this Doc personally. I have played golf with him. He just wanted his money and will agree to have the deletions made. This entire mess was over an insurance issue. I guess it would have been easier to just pay the $68 than go through this mess over it. To clarify: I sent a check with conditional endorsement on it, along with a letter. This is legal and binding here in NC. So, whatever they say, when they cash the check they are bound to the agreement in the letter.
Re: Lizardking & other Experts-Help You play golf with the guy. You type up the letter and leave a place for him to sign. Next golf game (or lunch, etc.), you whip it out, laugh, and say you did your homework, and ask him to sign. Question. Why is a golfing buddy being so difficult over a $68 debt? I don't play golf myself (and maybe that's the problem, lol), but I've forgiven debts of far more than that. Surely your good friend isn't so tight with this that he's going to make you jump through a few hoops. Maybe I'm just getting old (about to turn 41), heh, but I'm baffled. Doc
