I want to pay my debt....

i would start keeping track of all calls,whether to you or family
members and/or friends.did you send your validation letter
certified mail return receipt.if you did and you have the green
receipt,every call,every email,everything until they properly
validate is an fdcpa violation.

What state do you live in? What is the date of first delinquency on the account(s)? More info will allow us to give you solid answer.

Thanks for the quick response paulmergel.
I just sent the certified letter out last Thursday.
Yes, I am keeping track of the calls....many of which are not listed anywhere and are after nine at night. One number is 659-749-3319....pentagroup will call before 9 at night (caller ID identifies the caller and number), then several times after the other number has appeared (up to 11 pm). They do not call daily, however the days they call so too does that number appear.

I never answer and speak with these people. My problem is really how do I get them to lower the amount owed, as mentioned....while I own the debt it would seem it has almost tripled in the amount. I am willing to pay them out right....however I need them to lower it.

I am in GA and it has been about three years since the first delinquency.

OK. SOL on CC's is 6 years in GA so that will definately factor in to how you handle this. If you're DV was timely, it should stop collection efforts until validation i provided. Is Pentagroup reporting on your CR's?

As of yet I have not noticed their name on any of the CR's...the original creditor is still listed but the account is closed.
They sent a letter stating I had 30 days.....I responded in a very timely fashion (the day I received it).

I owe several debts and since pulling my CR I have had a non stop head ache trying to work with these several CA's to resolve my debt issues. They are not making it easy....one company LVNV (or something) turned my case over to a lawyer....I was the one that contacted them....however did not send the letter certified...they state they did not get it. Nor did I get anything from them, although they state they sent it....sigh....any way I was served papers and had to get legal advise...it was settled. Will it come ti this each and everytime.....I mean really.....it seems across the board these people are just wanting to take full advantage.

LVNV is a junk debt buyer and the scummiest on earth. With several years before SOL expires you are very vulnerable at this point. DV every dunning letter immediately. If possible try and work things out with the original creditor(may be too late for that but worth a try).

No...acct closed with the original creditor. I am not looking to stall paying these people....I am just wanting to pay all I owe. I have a certain amount of money to do it....the amounts on all are not the original debts....such high interest rates they have added....I cannot afford to pay them if they do not lower the amounts....then I am in the very same position. I am working part time now and cannot afford a payment plan....only have a certain amount of money to pay these people off. Can anyone advise how to best way to talk them into lowering the amount owed. Or....what your telling me is due to the age of the accounts I am stuck.....any more time goes by they will still add a very high interest and I cannot afford that either.

Oh well....I guess I am just stuck. Not sure how the lawyer got the other CA to lower the amount for they are not doing it for me and I cannot afford a lawyer to help me lower the amounts on the five CA that I currently owe.

I'm trying to find some info I ran across several months ago about negotiating with a CA. Haven't found it yet but the gist of it is: Decide how much you can afford to pay on each debt and start @ 40-50% of that amount. Remeber, negotiating is a give and take situation. You might actually have to do this over the phone (GA is a 1 party state so it is OK for you to record w/out their knowledge or consent). Write down everything both your side and their side. Be prepared to end at any time if things don't seem to be going the way you want them. Just try and stay calm and don't let emotion rule your actions. I'll see if I can find the link I'm looking for and post it for you.

Thanks nascardevil.
I will wait for them to validate the amount of the debt before deciding on speaking with them. I have looked online for info about negotiating with CA and have not found anything....I too will continue to look and will also post anything I run across....may just help someone else.
Thanks again!!!

I found info at a web site, however for whatever reason it cannot be posted here in this forum, not sure why but it just sates to remove the link and post???
Anyway found info at the credit info center on how to negotiate with CA....learned something very important as well. During the negotiation very important to request debt be removed from your CR.

Look for me there as well. It's called pay for delete (PFD) but may not work for your particular situation. Since you are not able to pay the full amount you would be looking for a settlement in full. The stipulation that you must insist on is that any unpaid balance not be sold to another JDB. That can bite you in the a$$ years down the line. Another thing you want to watch out for is any amount over $600 that is forgiven. That would generate a 1099c to be issued and you would have to claim anything over the $600 as income on your taxes. Also, it is doubtful if you settle for less than thefull amount that you could get the tradeline deleted from your reports. I think the best you could negotiate would be an update to a Settled in full or settled for less notation. Not the best scenario and hopefully another forum member, Debt Cruncher, who is in that line of work can expound a bit more.

Call the CA and offer them the settlement you can pay. If you offer a reasonable amount and intend to pay it in one payment, they just might bite. They can't possibly know you would like a settlement if you don't communicate that to the CA.

nascar is giving some great advice, the real key is to be firm in your negotiation.. also is they have continued to attempt collection during the validation period, that is a violation of the fdcpa and it might be useful to remind them of their transgressions during the negotiation asuch as part of your final offer at the end... something liek I will give you this much and agree not to pursue legal action against you for FDCPA violations (even sharing your copious documentation with them to prove your case upfront.