what to do ??

Do not pay them without a written agreement. There is no reason for them not to be able to send that to them in writing, If they do not get paid by you they do not make money. That offer is worthless without a written agreement. Tell them that you would have to be a fool to pay without a statement.

thank you very much for taking the time to read my post and reply to it. oh i completely agree with you i will not pay them a dime without something in writting, but then i still have that debt. my situation is that i have 3 things on my credit report which i am trying to get paid so that i can possibly try to buy a house . all the debt that i have totals under 2000.00. this is the first company i have tried to settle with. what happens when i dont pay the debt due to something on their part( like them not wanting to give me anything in writting) what can i do to get the debt resolved. because i am not paying until i get something from them, but yet i still have that lingering debt. i feel like they have my hands tied. i agree that there is no reason they shouldnt be able to provide me with something like that and i voiced that opinion to the person that i spoke with, he simply told me that if i wanted the 215.00 offer i had to make payment over the phone or online, but i am not willing to give any kind of banking info to them. and he said that to send a money order would take to long. and i said well sir you have had the debt for 3 yrs whats a couple of days. he simply stated my options back to me and told me the decision was mine. so i said thank you for your time and stated that i wouldnt be making any kind of payment without a written aggreement. but my dilemia is still there. i am just confused and dont know what to do because i want to take care if it. any advice would be greatly appreciated.

thank you for taking the time to read my post and reply to it, its greatly appreciated. i feel completely helpless. how do take care of the debt if the wont provide me with anything in writting containing what we agreed upon. i really need to take care of this debt in order to get a home loan. my sister is an atty. and i would absolutely get her to review any kind of aggreement they sent me i just need them to send one so i can take care of it. any advice you could give me would be greatly appreciated.

sorry for the double reply i am new to this website. but am finding it to be a useful resource.

Honestly? You should just opt for a pay for delete...you would only be saving $51 by settling, yet a settled account is only marginally better then a not payed debt. Sure, the fact it is paid will allow you to get the house, but if it got removed completely your score would go up and you could get better terms.

Either way you go, send them a settlement or PFD offer certified mail return receipt. Inform them in the letter that you will only deal in writing and will not make a payment until your terms are met.

Have they validated the debt? Is it reporting completely correct on your credit reports? If it is reporting correctly it should only list it as a collection account with a total amount owed and no past due amount or terms. Anything else is incorrect.

If they have not validated the debt, you could also include in the letter that you are attempting to resolve the situation in an expedient manner, but if they refuse to work with you that you will have no choice but to require full and complete validation as well as challenge the incorrect information reporting on the credit reports.

If they want to play games you play hardball. take the fight to them.

I find it odd that they are reporting. IC Systems is a collection agency that works on behalf of EBay and Paypal. My experience is they have no legal means to collect. No contract exists to sell on Ebay or to use paypal. They try to treat it like a credit card but it is not. Also, in my experience they do not report to the bureaus. They have not reported on mine.

I have been fighting with them for about 2-years off and on about a few deals that went bad. I sold some items and the buyer paid with paypal. I sent the items. Then the buyer disputed the transactions but never returned the items. I had already removed the money from paypal prior to the dispute. I had the money, the buyer had the money and the items and Paypal took a loss. I claimed sellers protection through paypal but they found in favor of the buyer even though I have ample evidence of shipment and receipt.

When the originally called I sent them a cease and desist letter. I have had them violate the letter a few times but I never acted upon it other than to remind them never call me again.

I have sworn of Ebay and Paypal and I will never pay them this money. It is owed by the buyer and I always suggest they collect from the buyer when questioned and then state to not contact me unless they have a case.

Actually they have every legal right to collect. There may be no credit line and reporting as a credit card would be inaccurate...but when someone signs up for paypal, ebay, etc...they agree to the terms. Even without any contract or terms, they still have the right to collect, but only the amount owed.

Honestly you need to keep fighting. If they violate your C&D then SUE them! Each time they break that C&D is a thousand bucks in your pocket.

the bill that i have with them is for a ATT bill. I have been listening to Dave Ramsey the past day or two and he has given me the inspiration to fight them because i have the right to. I just want to make sure that i cover myself. the question i keep asking myself is: what good is going to do to pay these people if nothing on my report is going to change. even if i agreed to pay the full amount . and do they have to include any fees they would charge on my credit report. ex the report says the debt is for 266.00 is that what i owe free and clear?

No golden i havent asked them to validate the debt yet. i am not sure what is sufficient debt validation.

You want them to prove that you owe $266 and that they are the legal entity to collect that debt. I agree with you 100%. There is no reason they should not agree to remove the account from your credit report upon payment. Many times they will try to tell you that according to their contract, they can't delete the account for payment. BUT if your agreement has a non disclosure in it, stating that they may not discuss the account with anyone other than the original creditor and yourself, then they may not verify the account with any third party...such as credit reporting agencies. If they were to verify, then they have broken the contract and you can sue them for breach of contract.

How old is the debt? When was the last time you made a payment on it? What state are you in? You will first want to know the SOL (statute of limitations) of the account. If the account is past the SOL you will have more bargaining power because they won't be able to sue you over the debt. Also, the older a debt gets and the closer to the 7 and a half year mark will also give you more bargaining power.

But first you want validation. They need to send you a signed agreement or contract, the last statement and something that proves they can collect. You would point out a few FACTA laws, that they need to prove that what they are reporting on your credit report is correct.