Debt issues with a collection agency

The collection agency came into picture only when your account reached to the negative state. Your creditors might have tried to get the payments, but when they failed to recover, they hired a debt collector.

Now, when the account reaches to the collection stage and they have your file with them, they are authorized to report collections to the bureaus. However, you can negotiate with them to remove their remark in exchange of paying the account in full.

Read this page and know how you can handle the collectors and remain aware of legal rights.

As stated they can report.Go to the credit repair section of this board and look for sticky called pay for
delete letter. Ask agency to agree to delete info in trade for last payment.You will need this in writing.Good luck

I just saw the letter.

kmea, since you are new here, I am pasting the link for you. Click this

http://www.debtconsolidationcare.com/credit-repair/about23260.html