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Do I really owe you $314.00? Please provide me with detail.

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carol

carol

Joined: 27 Jun 2006
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Location: Los Angeles, California


29592 Magic Points
 
 Posted on Thu Jul 24, 2008 12:05 pm  
That why it is always necessary to sent a debt validation letter. Unless and until they can validate the debt, there is no question of repaying back any amount. Moreover, if they still harass you for the debt, you can always complain against them to the FTC and the AG. If they validate your debt, always try to settle for as less amount as possible, because even if they get back this small amount from you, they stand to gain. But don't forget to bargain for Pay for deletion agreement.
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fireyone



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 Posted on Thu Jul 24, 2008 11:47 pm  
And get that in writing correct?
erb1953



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-55 Magic Points
 
 Posted on Fri Jul 25, 2008 2:59 am  
yes, definately get it in writing.
fireyone



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 Posted on Sun Jul 27, 2008 12:54 am  
I am learning anything important is worth getting it in writing. A persons word doesn't go as far these days.
goodnatured



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 Posted on Mon Jul 28, 2008 1:53 am  
Not if the person works for a collection agency!!!!
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carol

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 Posted on Mon Jul 28, 2008 11:23 am  
You are right goodnatured. There are many instances CAs promise to delete the listing from your credit report. But as soon as you pay them back, there is no initiative on their part to delete the listing. So unless and until you have the pay for deletion agreement letter in hand, you cannot get the listing out of your report by the CA.
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fireyone



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 Posted on Mon Jul 28, 2008 3:06 pm  
So what is a person suppose to do? Will the CA put a promise lioke this in writing before paying off the debt? Once it is paid and they don't fullfill their end of the deal what is the next step? Can you still get it deleted?
CMBV22

CMBV22

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4431 Magic Points
 
 Posted on Wed Jul 30, 2008 8:45 pm  
YOu file suit against them from breach of contract then send them a letter informing them that they can either show up for court and face damamges or, keep to your agreement.
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fireyone



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 Posted on Thu Jul 31, 2008 1:29 pm  
Sounds like a good plan. At least you have some rights. I can see getting something like this in writing is really important. It is a shame more places do not offer the Pay for deletes. It really doesn't seem like they would have alot of work to do to get it deleted.It would also probaly help settle out more past accounts if they made it part of their settlement.
goodnatured



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 Posted on Mon Aug 04, 2008 11:39 pm  
You have to get the pay for delete in the beginning.
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fireyone



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 Posted on Tue Aug 05, 2008 1:03 am  
Thats what I have been seeing. I wish they would just make this part of the deal or at least make people aware of the fact.
carol

carol

Joined: 27 Jun 2006
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Location: Los Angeles, California


29592 Magic Points
 
 Posted on Tue Aug 05, 2008 12:20 pm  
CMBV is right. If you have all written documents where the CA or the original creditor promises you for pay for deletion, and if they do not delete it even if you pay back your debt, you may file legal suit against the CA. So pay for deletion is a good instrument to remove a listing if you have the agreement in writing.
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fireyone



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8662 Magic Points
 
 Posted on Wed Aug 06, 2008 2:17 am  
I am glad to see that a person is entitled to sue them if they don't delete the debt from your report as promised. It gives you leverage when clearing up you CR as long as you have the promise in writing.
erb1953



Joined: 31 Dec 2007
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 Posted on Wed Aug 06, 2008 5:42 am  
It is about time there is some backbone in it for the consumer, we need all the help we can get. Filing a civil suit is as easy as walking into the courthouse, filing the paperwork and paying the fee, it does not take genius to do it.
fireyone



Joined: 26 Feb 2008
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8662 Magic Points
 
 Posted on Fri Aug 08, 2008 1:37 am  
That is very true. Once people start taiking action they actually can breathe again. It also helps but the bad fishes back out to sea.

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