pay for delete & settlement offer letter

Submitted by Anonymous (not verified) on Wed, 12/31/2008 - 01:50

turns out that an OC still has my acct after 2 years. Amount is $4,500, can anyone help me with a letter to get a good settlement offer and a PFD, hopefully they will letme make a couple of payments instead of a lump sum.

Thanks for you help, you guys are great.

wow, that is great that they still have it. You can find the letters under the stickies on this site or go on the debt forum (see link at the top of the page) and go under the "do it yourself" section.

Wed, 12/31/2008 - 04:08 Permalink

Since the original creditor still own your debt, if you can make the creditor agree to pay for deletion agreement, then the negative listing will go out of your credit report entirely which will help you to increase your credit score. There is a sample pay for deletion letter in this forum itself. Just change your name and address of the collection agency and your name and address and personalize it. You can get the letter by visiting the link letters of credit.

Wed, 12/31/2008 - 11:09 Permalink

Since the debt is over 2 years, the creditor will consider it as a bad debt and so you can even ask the creditor for a discount on the outstanding debt amount and the creditor may also agree to settle at 60 to 80% of the outstanding debt. Now, before you make any payment towards the debt, you should try and make the creditor agree to pay for deletion agreement so that as soon as you pay off the debt, the negative listing goes out off your credit report and your credit score increases. Always make the pay for deletion agreement in writing.

Wed, 12/31/2008 - 11:35 Permalink
rkp (not verified)

thanks for your help, I totally overlooked the Pay for Delete letter, I was looking for one and there it is! i was also really looking for the settlement portion, hopefully justin's right, i needed to know how much they might settle for. so if it's $4500, should i start by offering 80% and a PFD? (or are they gonna laugh their A** off)

i can't believe they still have my acct (it's discover) they had a CA send me a letter and when i asked for validation the response came directly from discover asking me to forward them payment directly, not the CA.

Wed, 12/31/2008 - 12:49 Permalink
rkp (not verified)

meant to add, that i want to ask them if i can break the settlement up into 3 you think they'll go for it, or will they want it all at once?

Wed, 12/31/2008 - 12:52 Permalink
rkp (not verified)

now I'm reading Justin's post again, is he saying that they forgive 60 to 80% of the debt, saying I will pay the difference?

$4500 owed, settle for 20% of the debt = $900 from me
or $4500 owed, settle for 40% of the debt =$1800 from me

they tried to settle with me when I became 6 months late, and I was thinking it said they would accept like $.40 on the that's less then half...not for certain as I didn't keep that paperwork.

Wed, 12/31/2008 - 15:33 Permalink

The creditors settle for mostly 80% of the debt, which means that if you have $4000 outstanding including interest and other fees, you need to pay back $3200 and the rest you need not pay. However, it depends whether the creditor agrees or not. If the creditor do not agree to reduce your outstanding debt, then you may be required to pay back the entire debt through a repayment plan.

Thu, 01/01/2009 - 12:16 Permalink

Sounds like you have a plan to take care of things, RKP. However,,,,,,,remember to keep all of you records when dealing with the CA's/OC's.

Fri, 01/02/2009 - 04:32 Permalink
loanman760 (not verified)

Once an account goes to collections paying off does you no good unless the account is deleted off your credit. Doesn't matter the balance it is still negative as long it appears on your credit. Don't waste your time paying a collection or charge off unless they agree to delete it totally off all three bureaus. It must be in writing!

Sat, 02/13/2010 - 04:37 Permalink

What does it usually cost to get something deleted from your report and how do they come up with the amount? Is it a percentage of the original debt?

How can a collection agency, third party remove the posting of an original creditor on your report, so how can it be completely removed? Is it just the original creditor that can remove it or can a third party who has purchased the right to collect the debt?

Who can remove it and how much does it usually cost? How does one make this request?

Mon, 02/15/2010 - 02:06 Permalink

Hi goodnatured,

"Pay for delete" (PFD) letter is either sent to the original creditor (OC) or the collection agency (CA). It is an agreement with the company to report the account to the credit bureau as "Paid in full", if the due amount is fully paid. Otherwise if the amount to be paid is settled with the OC or CA, it is reported as "Paid as settled".

Whether or not you can send the letter to OC depends on with whom the account is. If it is still with the OC, or the OC pulls the account back from CA, you can send the PFD to the OC. However if the account has been handed over to the CA, you need to send the letter to the CA.

If the account has been handed over to the CA, the OC retains no claim over the debt. Therefor the CA can report about the item to the credit bureau. The credit bureau will remove the item from the report, not the CA. Moreover the PFD letter is sent at the time of the settlement with the OC or CA.

For more details you can check the sample letter available in .

Hope this helps.



Mon, 02/15/2010 - 10:57 Permalink

Once an account goes to collections paying off does you no good unless the account is deleted off your credit. Doesn't matter the balance it is still negative as long it appears on your credit. Don't waste your time paying a collection or charge off unless they agree to delete it totally off all three bureaus. It must be in writing!

I wouldn't say this is the only reason to pay a collection. If the CA sues you and gets a judgment this can stay on your report for 20 years or more. Some CAs won't agree to to PFD, but many would at least settle for a lower lump sum. I don't recommend payment plans, people end up paying triple their debt. So people need to decide what is best for them.

Mon, 02/15/2010 - 11:48 Permalink
Dutch (not verified)

What do I do in a case where the CA has taken over an old debt that has been taken off your credit report?

They sent me a settlement letter in exchange for a paid in full or paid as agreed on my credit report. I want to pay it because I know I owe it but I don't want to reactivate the account so that it appears on my credit report. In this case would I sent a pay for delete letter before I send my payment?

Mon, 03/15/2010 - 23:15 Permalink
roadkill (not verified)

I've talked to ca they tell me they cant remove accounts its against the law.

Sun, 03/13/2011 - 19:28 Permalink
credittrouble (not verified)

Hi Aaron,
I have a similar dilemma, and I wonder if you could offer some insight into this for me: I recently reached a settlement agreement with Barclay's bank for 45% of the original balance of my account balance. My account was around 120 days past due at the time of the settlement offer. I have fulfilled the first installment ($500) of a 3-installment settlement offer. In the settlement agreement letter it says, "As of the date of this letter, your account balance is $10,180.88. Upon receipt of $4,582.00 in accordance with the terms set forth below, which is a 55% reduction of your current balance, we will consider your account as paid in full and will send an update to the credit reporting agencies."

My current credit score is approximately 600 (average across credit reporting agencies). I am concerned that after completing the settlement, when I look to get a future loan in a few years, because of it saying "debt settled for less than the original amount" or "paid as settled" on one or more of my credit reports, I will be denied the loan.

My questions are: 1) How can I make sure that once settling with the OC, that "settled for less than the original amount" won't show up there? 1) Given that my account is 120 days past due and hasn't been charged off to a collections agency yet, is it possible for me to send a letter requesting for "Pay for Delete" as others have done? Since the settlement hasn't taken place yet, what would I be asking for a deletion of at this point?

Sorry for the long-winded question, but this will go a long way for me.

Thank you in advance.


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Wed, 09/11/2019 - 08:22 Permalink
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