Need a sample letter to O/C to pull back debt from C/A

OverMyHead,

debt consolidation Care offers free e-books on Sample Letter, Credit Score and so on.

Feel free to ask your questions if you have any.

Wow, this site rocks! I didn't see that!

Unfortunately, the files are PDF files which at this time my PC can't support (my pc recently crashed and hubby is still working on fixing it), but I will have to get on hubby to get it up and going.

Thanks!

Overmyhead,

The process of viewing PDF files is listed there in the page, please follow the procedures.

You can also browse this page to get a list of sample letters:

http://community.debtcc.com/letters/index.html

Quote:

Thanks, Bryan! I found a sample of exactly what I was looking for! :D

You are most welcome :D

I assume you are going to request your creditor to withdraw your account from collection. Please keep us updated on how they respond after receiving your letter.

Feel free to ask your queries in forums :D

Oops, mods please delete my above post as guest, I did not realize I was not logged in.


Quote:

Hi my name is Quinn,
I have a question regarding and old utility bill that was reported to a collection agency by the name of CBSI. The bill is about 150 dollars. I have sent the original credit a sob story and they have agreed to help me remove the account when paid. I need to know what particular documents I need to ask for from the OC to stop CBSI from continuing to report.

Thanks

Quinn,

It's nice to see you in forums :D

Now it's their internal affair. Creditors place default or late accounts under collection, so there might be some specific way to pull it back from collection.

What you can do, ask them to make an agreement before sending you payments. The agreement should mention clearly date of the dealing, the amount to be paid and creditor should declare that they will update your credit report as ???paid' or ???paid as agreed' once you pay the said amount. In this way you can close the chapter and protect yourself from the unfair claims of the CA in future.

That was all from my part, hope some other members will put some more info at this.

Whats up guys,

I have another question. I recently contacted Alltel cell phone company because they were the original creditor on my credit report. The rep told me that the account had a balance of 600+ dollars and the account was sent to collection agency by the name of Focus. I do not know these guys and they are not on my report. Question is if Alltel sold the debt should it still be on my report if they sold it. The lady told me that she did not have any records on file but the amount owed. Do you think it would be wise to dispute or will I be opening wound.

q234,

IMO, disputing this entry does not make any sense. If you dispute, bureau will run an investigation and probably update is with collection which is a negative mark.

Contact Alltell and insist them to settle the account directly with them without involving Focus. If they agree, make an written agreement of your payment and get it signed. Once the account is paid, ask them to update your credit file with credit bureaus.