Sara, what you are referring to is a "Pay for Delete" settlement. No creditor is obligated to do it. However if you put it in writing that this is what you desire,they may agree. Normally you would send the agreement to the company by fax or certified mail to get your signatures and when you receive it back,send their money to them. Their is a pay for delete letter in the Credit Repair section of this forum. _________________ Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com/forums/about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.