Scared
Date: Fri, 07/16/2010 - 20:51
OK so I have 6 collections on my credit report for small amounts nothing over 1,000 the thing is..I STARTED the debit validation letters and have them sitting her to send in the mail with a return reciept but here is the but...I would rather just pay to these collection agency but I do not want to pay the past due amounts beause those have tons of fees tack on to them and instead a bill that was a blance of 406.00 is ending up to be 627.00 so my question is how do I deal with this since Im afraid...keep in mind I have not been contact by any of these collection people and Im afraid if I do I will open a bag of worms so I need some advice
Do I send the debit valdation letters???
And if I decide to start paying money that is owe to these collection agency what amount do I pay??????
And can I do a offer in writing to them to pay a small amount what I mean is Im willing to pay the 406.00 one as long as they take it off my credit report complete and list it as paid in full but Im wondering if that will or would happen ughhh Im so lost and sick and do not know what to do...
I looked at my credit report and with all of the collections on there it totals to 3,335.00 dollars
but when I just look at the blance owe it comes up to 2,201.00 which Im willing to pay all the collection agency as long as they take it off my report completely??? Im so lost right now and not to sure what to do I need step by step directions since after getting hit by a IED im not all there but Iam Im just slower then the normally person any advice or guidence since Im scared to send these letters now :(
Do I send the debit valdation letters???
And if I decide to start paying money that is owe to these collection agency what amount do I pay??????
And can I do a offer in writing to them to pay a small amount what I mean is Im willing to pay the 406.00 one as long as they take it off my credit report complete and list it as paid in full but Im wondering if that will or would happen ughhh Im so lost and sick and do not know what to do...
I looked at my credit report and with all of the collections on there it totals to 3,335.00 dollars
but when I just look at the blance owe it comes up to 2,201.00 which Im willing to pay all the collection agency as long as they take it off my report completely??? Im so lost right now and not to sure what to do I need step by step directions since after getting hit by a IED im not all there but Iam Im just slower then the normally person any advice or guidence since Im scared to send these letters now :(
Pay for delete is not likely...most wont do it. You have small
Pay for delete is not likely...most wont do it. You have small accounts, it just isnt worth the work for them.
DV the CA's. Make sure they have the right to collect. Then call and negotiate a settlement. Again with small accounts, they are not going to spent the time writing letters....it just isnt cost efficent. If they agree to settle, have them fax you a settlemeent letter.
Quote:Do I send the debit valdation letters???If you are not sur
Quote:
Do I send the debit valdation letters??? |
Quote:
And if I decide to start paying money that is owe to these collection agency what amount do I pay?????? |
However, can I know whether or not all these are credit cards?
All of these where credit cards that is correct and no payments
All of these where credit cards that is correct and no payments where every made on them..
