Help MCM will NOT take settlment offer..
Date: Mon, 10/13/2008 - 07:21
along with the OC name address and my name and address you know like a bill. It was not the ACTUALLY statment but a COPY. It took them 9 months, to validate. Some say that all they need to send you is the OC name your name and amount.
Anyhow I would like to settle but dont have the full 3,074. they are asking for. I just have about 1,600 to give them. The SOL on this account is up on Oct,2009, I know this because I checked my CR and it says first deliquent payment was October 2005.
Im wondering if it's so close to SOL they would take the settlement offer or laugh and just sue me.
Im wondering if they still try and sue me will the Judge look at the settlment offer I sent them and get mad at them for not working with me???
I just don't know what else to do because i dont have anymore to offer them.
Thank you for your help.
When you attempted a settlement offer, did you do so in writing,
When you attempted a settlement offer, did you do so in writing, or verbal? Always do so in writing because in the event that they sue you, you have proof to show the judge you ARE trying to settle your debt.
Also, did you attempt to "pay for delete"?
Did they send you a counter offer or flat out refuse, and did yo
Did they send you a counter offer or flat out refuse, and did you send an offer in writing, or verbally over the telephone? If it were me, I would send them a written settlement offer, see how they respond to that, sometimes a CA will come back with a counter offer, at least it gives you some negotiating power. Well, I am no expert in this but that's what I would do, keep checking back to see if anyone who is better versed in this area, responds.
No I havent sent counter offer and no i havent called them thoug
No I havent sent counter offer and no i havent called them though some say you will get a better settlment if you just call-
Yes, no dice for PAY FOR DELETE. They said they would just update as paid in full. I did it in writing and they delcined the offer said the lowest they could go was 2,300.00. They wanted it paid ASAP by the end of the month and i dont have it. All I have to give them ASAP is the 1600. They wont even do monthly payments for full amount.
They also said i would have do do a pay by phone . They dont want a money order or check. I (lied) and told them i didnt have a checking account and i told them i wouldn't give em my debt card #. I think i made them MORE made by this.
Don't know what else to do I guess I will just have to get sued
( YEAKS).
Do you guys think 1,600 is reasonable for a 3,074 debt that is to go into SOL in a year and the fact that its a junk debt collector, trying to collect?
I agree, I would send it to them in a certified,return receipt l
I agree, I would send it to them in a certified,return receipt letter, and keep a copy of it. I have done this with other companies and also included in the letter that I wanted a pay for delete. If they won't do that, get it in writing what they say they will do.
It's hard to say what they will do as far as suing.
In your Dv letter you got, did they put in there anywhere the interest they charged, or how they got that figure?
I have also sent follow-up debt validation letters to companies stating that they did not fully validate, and sent a copy of the first one with it.
Some say that just acknowldging the debt can start the SOL over, so read your states rules on this.
Whatever you do , do not send them or give them anything with your bank account info. Also put in writing to them, if you decide to pay, that you will be paying by money order, certified check, whatever.
Just keep notes and copies of everything you or they send in case you need it later..Good Luck..karen
ALSO ON MY CREDIT REPORT I JUST CHECKED, IT HAS
THE FOLLOWING:
MIDLAND CREDIT MGMT
Address:
8875 AERO DR
SAN DIEGO, CA 92123
(888) 403-6206 Account Number:
... Original Creditor:
FCNB-SPIEGEL
Address Identification Number: 0567807654
Status:
NO STATUS.
Date Opened:
12/2007
Date of Status:
12/2007
Reported Since:
12/2007
Last Reported Date:
N/A
Type:
NA
Terms:
1 Months
Monthly Payment:
N/A
Responsibility:
Individual
Credit Limit:
N/A
High Balance:
N/A
Recent Balance:
N/A
Recent Payment:
N/A
Your Statement:
Account in dispute under Fair Credit Billing Acts. Add a statement
my question is... Why does it STILL say no statues if this Collection agency claims they already sent me Validation of the debt?
Does this just mean the are awaiting for an answer or payment from me to update it on my credit report?????
MIDLAND CREDIT MGMT Address: 8875 AERO DR SAN DIEGO, CA 921
MIDLAND CREDIT MGMT
Address:
8875 AERO DR
SAN DIEGO, CA 92123
(888) 403-6206 Account Number:
... Original Creditor:
FCNB-SPIEGEL
Address Identification Number: 0567807654
Status:
NO STATUS.
Date Opened:
12/2007
Date of Status:
12/2007
Reported Since:
12/2007
Last Reported Date:
N/A
Type:
NA
Terms:
1 Months
Monthly Payment:
N/A
Responsibility:
Individual
Credit Limit:
N/A
High Balance:
N/A
Recent Balance:
N/A
Recent Payment:
N/A
Your Statement:
Account in dispute under Fair Credit Billing Acts. Add a statement
my question is... Why does it STILL say no statues if this Collection agency claims they already sent me Validation of the debt?
Does this just mean the are awaiting for an answer or payment from me to update it on my credit report?????
Sadly, the court isn't going to care if you made an offer to pay
Sadly, the court isn't going to care if you made an offer to pay or not. It has nothing to do with the underlying issue: do you owe the money?
reply
sorry david,but they requested validation and didn't get it.if this bottomfeeder chose to sue, the OP could ask for validation during discovery.if i were the OP i wouldn't have made a settlement offer as this debt wasn't validated.
