I've posted two other times on the forum talking about my situation. I had been originally contacted by Merchants Credit Guide because of a charged off car loan from Household Automotive that had been charged off in 2002.
I had not known about this website before I had contacted the agency. I was really upset and felt all the feelings you could expect when you receive a letter about a debt that you believed was in your ex-husband's name only. The debt was outside of the SOL for a year or so but I had felt so much pressure from the agent and stress from the situation that I had made a small payment. I've already talked with a few people on here about the SOL and sadly it did restart the time on the loan. what's done is done...
I've been contacting Merchants Credit Guide by certified mail only telling them that I will only discuss this debt via mail. Merchants Credit Guide sent back to me debt validation paperwork that included a copy of the automobile title. I told them that I would be contacting the original creditor to get a copy of the original loan contract to determine if I had even signed it or if I was added by my ex-husband. The auto title said my name AND his name. The original loan was taken out in 1999 when I lived in Pennsylvania. I had separated and moved to Georgia roughly in 2000. I had been making payments up to a point and remember telling Household auto that they could have the car back. It had been towed and it had been broken into. No damage but some of my things were stolen... long story there so I won't go any further.
Skip to today.... I've received a copy of the original contract and to my sadness it does show both of our names which means that we are both responsible. I'm sure that they have had no success trying to find him so they are after me.
I'm planning to write up a letter to send tomorrow telling them what terms I can make payments on this debt. My only other option is to file for bankruptcy. The total was originally $25k when they mailed me and with the research Merchants Credit Guide's last letter showed $26k
My question is...
 When I had made that payment, The collections agent with Merchants Credit Guide was pretty aggressive about having me agree to a settlement amount of $7k. Even with my payment, I had said on the phone three times that it was not my debt and that I wasn't responsible. He had said on the phone and they had sent two letters after that the settlement amount was only good to the end of August. I want to firmly write them a letter saying what terms I will agree to with this loan. The statement they sent with the debt validation letter said the remaining balance on the loan was $16k.
 Do you think it would be a good thing that when sending the letter send a "pay to delete" letter with it saying that they agree to delete this off of my credit report because I have agreed to make payments?
Thank you again in advance. I've been following the forum since receiving receiving the first letter and I don't feel so alone in it all when I come here. I feel more knowledgeable knowing that I know my rights.