I'm a newbie, and I'm just starting out but I want to brag about an action I took today, and share some info in case it helps others. I already delivered this letter to the CA today, but if others have feedback that my help others finetune this for their needs have at it. The background is that I have 3 accounts with this CA, and one has a court date first week of May, the other was only $30 and the last was paid. I'm hoping in the letter to imply that ALL accounts will no longer be reported, but since one's paid didn't want to list it specifically. Generally, I'd say that the account number(s) should be listed in the letter ...which I did not do. Date Scum Collections 123 Bad Street Anytown, ZZ 98000 GoldHummingbird 123 Perfect Credit Lane Nodebt, ZZ 98000 To Whom it May Concern: This letter is to inform you that the validity of my accounts listed with your office is disputed. I am not in receipt of a complete legal validation of the debts including a complete accounting of all transactions from inception to date. In the spirit of compromise and to avoid mutual legal expense, I am willing to pay these accounts in full once you agree to immediate deletion of my accounts from all credit reporting agencies. Upon receipt of your agreement to these terms, certified funds in the amount of $XXX.xx will be delivered to Scum Collections office in exchange for full deletion of all references regarding these accounts from my credit files at all credit reporting agencies and full satisfaction of the debt. Scum Collections agrees to delete all information regarding these accounts within ten calendar days following receipt of payment. This agreement is confidential and Scum Collections will not discuss the terms of settlement or acknowledge the accounts in any way if contacted by a third party, excluding your client, and will deny knowledge of any such account. If you agree to the above terms, please prepare a document on company letterhead explicitly agreeing to these terms, signed by an authorized representative of Scum Collections. This document shall constitute a legally binding contract, enforceable under the laws of Washington State. Your response must be postmarked no later than seven days from your receipt of this settlement offer, or consider this offer withdrawn. Part 2 -- see next post
Part 2 of post ------------------------------------------- Under the above letter is a dotted line and then the following in two columns: 'Assignee For: Collection Managers, dba Scum Collections 123 Any Lane Anytown, ZZ 98000 **** Time Sensitive **** Sign & Postmark by April 21, 2004 _By:_____________________________________ Authorized Signature ______________________________________Print Name ______________________________________Title ______________________________________Date
