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A collection company is offering to let me pay off my debt for 15% of total balance. Should I do it? Im trying to fix my credit and would love to pay my old debts off but I am not sure if this is the best way. I dont want to lower my already low score & start the 7 year cycle over again AND pay a bunch of money to be negativly effected.
You first need to check whether the collection agency that if offering you the settlement actually owns the debt or not. For this, you need to send them a debt validation letter by certified mail. If the CA properly validates the debt, you can ask them to send you the settlement in writing mentioning that they are willing to agree to 15% of the total outstanding debt. After getting the settlement agreement in writing you can pay it off.
First of all you should check whether the statute of limitation on the debt has expired or not. If it has expired, you need not make any payment towards the debt and the creditor cannot recover it. If you make any payment towards the debt after the SOL expiry, then SOL restarts and you may be required to repay off the entire outstanding debt. I can help you out in this forum if you can tell me the state where you have made the loan agreement and the date of your last payment towards the debt.
You can easily get a collection agency off your back and off your credit report by sending them a Validation Letter by certified mail. The vast majority of the time they don't even have any documents.
I would first check the SOL then send out the debt validation before paying anything. I also would not send the debt validation until I was sure the SOL past.
I agree wholeheartedly with fireyone. I forgot about the SOL.
SOL to settle debt
I live in Florida. My Experian credit report says this debt is "scheduled to continue on record until 1/2010." That seems soon, would it positively effect my credit score at all to pay this CA? The OC was Providian Financial (credit card.)
No, paying off a debt would not improve your credit score until the negative listing gets removed from your credit report. Paying off a debt does not mean that the collection agency would remove the listing from your report. Moreover, even if the CA removes the listing through PFD agreement, the OC listing would stay on your report till Jan 2010. So I think that you should wait till Jan 2010 for the item to get removed from your credit report. Once the negative item gets removed, your credit score would definitely improve.
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Everyone has wonderful advice here, about the SOL. I DID learn the hard way ( because I din't know at the time) that you CAN re-start a debt, if the SOL has expired. Thank goodness, the SOL, in the state of PA, is 4 years.
Restarting the SOL is as simple as one payment and when you do that you open yourself up to a lawsuit. Honestly though the debt collectors will use scare tarics and forego telling you your true rights just to get you to make that one payment. My hubby has a really old debt that will fall off in 2011 and every income tax time for the past couple years we get settlement offers in the mail. They offer payment arangements and they also call non stop. It usually quits after a few months . I think at this point anyones safest bet is to let it fall off the report especially with the debt collestor tactis these days.
SOL
Is the statute of limitations where the creditor is based or where you live or where the collection agency is? Which state SOL do I need to adhere to?
SOL
THE STATE IN WHICH THE DEBT WAS INCURRED IS THE SOL DATE.
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Harper Mercer opened fire on students in multiple classrooms in the campus's Snyder Hall. He was subsequently killed at the time of a shootout with police outside the hall.
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The killings at Umpqua college are the latest in a seemingly endless series of horrific tragedies.
public by Harvard researchers Amy Cohen, Deborah Azrael and Matthew Miller found that between 1982 and 2011 the average time between mass shootings in which more than four people were killed or wounded was 200 days. Since 2011 latino dating the length of time between shootings has fallen to an average of 64, Meaning there were a three fold increase in the rate at which such killings occur.
their email list of mass killers includes: 22 year old Jared Lee Loughner, Who shot Arizona broker Gabrielle Giffords and killed six people on January 8, 2011; 24 year old James Holmes, Who killed 12 and wounded 58 in a movie theater on July 20, 2012; 20 year old Adam Lanza, Who shot dead 20 first graders and six adults at Sandy Hook general School on December 14, 2012; 22 years old Elliot Rodgers, Who killed seven and hurt seven on the UC Santa Barbara campus on May 23, 2014; 21 yr old Dylan Storm Roof, Who shot and killed nine guests in a church in Charleston, sc on June 18 of this year.
Even such a limited it gives a picture of a truly sick society. No economically advanced country comes close to the number and frequency of mass killings in the states.
In a rambling press convention held in the wake of Thursday's shooting, US President obama struggled to account for yet another mass shooting during his tenure in office. "Somehow this has really become routine, he explained fatalistically. "The canceling is routine. My result here at this podium ends up being routine. The conversation as a direct consequence of it. We've become numb in this, At a press conference the next day Obama reinforced his loss for an explanation, Superstitiously blaming all assault on "earliest sin,
As he has done too many times before, To the extent that he offered any conclusion, Obama blamed lax countrywide gun control laws, A problem that he said could be solved by the passage of correct piece of legislation. "We know that states with more gun laws tend to have the fewest gun deaths. So the notion that gun laws don't work, Or just will make it harder for law abiding citizens and criminals will still get their guns is not borne out by the research, He put forward the proposition.
Obama's proposed solution to mass shooting mainly aimed at increasing the power of the state and the police will do nothing to actually address the base social issues that give rise repeatedly to such tragedies.
While each shooting features its own peculiarities, A phenomenon that develops with such regularity must have deeper causes. get the social environment that produces them? Decades of the suppression of class struggle and the promotion of individualism. An ideology that explains individual failings or successes as the product of personal functions, ultimately causing deep disillusionment and alienation.
A general sense of hopelessness pervades among a generation of youngsters, whom, If they were lucky enough to go to college, Are saddled with a trillion dollars in student loan debt, With no prospect of a decent paying job that provides them with a good standard of living.
As for pervasive violence, This applies above all to the state and the ruling class that controls it. throughout the last two and a half decades, Which entail nearly the entirety of Harper Mercer's life, The united states has been at war in one country or another more or less continuously, Resulting in the deaths of greater than a million people and displacement of millions more. The shooter has grown up during the "War on fright, Which has been used by the ruling class to foster an atmosphere of paranoia and suspicion, And to justify various violent actions by the state.
Under Obama's drone assassination program, Open murder has become the official policy of the federal government. The president and other governance officials publicly boast of "applying for" People designed into their kill lists, Including american citizens. While the us government keeps secret how many people it has killed with drones, practical estimates based on public reports indicate that thousands, Including women and youngsters, Have been summarily executed at no cost or trial.
locally, A society riven by growing economic inequality has while doing so been increasingly militarized, With military service glorified at every single moment as the highest service to the nation. Police forces have been armed to the teeth with armored vehicles and assault rifles forcing them to indistinguishable from military units. Killings and violence are routine, With nearly 900 people murdered in encounters with law enforcement so far this year.
the us,our great country remains the last economically advanced country that imposes the death penalty. due to the fact 1976, 1,416 persons have cruelly and inhumanely been put to their death. So far this year this isn't twenty two such state sanctioned murders.
The solutions routinely advanced in the wake of such shootings will do nothing to address the cause of mass killings that are rooted, In the final analysis, In numerous brutal society.
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