Should I pay a settlement offer for a "settled in full&

Submitted by dowdenfamily on Sat, 11/14/2009 - 05:12

I received a discounted payment offer from AFNI debt collectors for the cost of an old Verizon bill. The settlement is only $50...and it was $243 originally.
My credit is shot anyway and I have been waiting for my 7 year mark so my credit can start improving. I can't even get a secured credit card since my credit is soooo tore up from all my unpaid credit (came out from Afghanistan and got out of the military and divorced and never made another payment on anything...wasn't really too right in the head at the time). The last payment on this account was 09/04. my credit score is 580 right now and I am hoping to raise it at least 50 points in the next 2 yrs so I can buy a home. I turned in a repo vehicle that the last payment was made back in '04 also.
I can't wait till this is all behind me, as I have learned how credit is so very vital in life! I would love to hear any advice as well concerning ways to raise my credit when my own bank wont let me get a secured credit card.

You can send them a pay for delete letter and ask if you pay the $50 if they would delete the negative listing from your credit report. When sending the letter be sure to send it certified with receipt so you will have proof they got it. Just remember not all creditors will do this but it's worth a try.

Sat, 11/14/2009 - 05:21 Permalink

Would that improve/help my credit or would it not even be worth the 50 bucks?

Sat, 11/14/2009 - 05:24 Permalink

It should improve your credit but by how much it is hard to say. And yes if there is any way to remove a negative listing from your report it is worth it. I forgot to add check the SOL in your state because if it has past and you make a payment it will start all over again. Now if you do decide to agree to their settlement make sure to get everything in writing for proof. Because if not and you pay on it and it starts the SOL all over again then they can sue you and collect the rest.

Sat, 11/14/2009 - 05:48 Permalink

It is from tx..I believe its four yrs but I am unsure. If it is four years the SOL has passed.

Sat, 11/14/2009 - 05:56 Permalink if the SOL is up then I should NOT settle? Is that correct? So just let it stay on my credit as bad?

Sat, 11/14/2009 - 07:39 Permalink

No honey that's not what I meant after the SOL has past they can no longer collect on that debt from you. So you have an option to leave it as a negative or you can settle with them and ask them to remove the negative listing from your report. But get it in writing because paying on it starts the SOL all over again and they can make you pay the rest. If you decide to leave it alone just send them a letter letting them know the SOL has past and they can no longer collect from you.

Sat, 11/14/2009 - 15:45 Permalink

Just talked to the creditors....they said they just report that it has been settled, it is the decision of the credit bureau to delete it or not...I don't believe her. Thanks for the answers so far though, its much appreciated.

Sat, 11/14/2009 - 21:26 Permalink

I don't blame you for not believing her. So I guess she's trying to tell you they won't remove it. In my opinion I would send them the SOL letter and let them know it has past and they can not collect from you. And keep your $50 bucks. If they are not going to remove it why pay?

Sat, 11/14/2009 - 21:43 Permalink

I agree, They probably will if you send it by certified mail on a pay for delete letter. By phone, they really don't do anything. Try the pay for delete letter and wait and see if they respond. If they agree then make sure it is in writing. Then pay by Cashiers check. And give them notice to delete immediately.

Sun, 11/15/2009 - 05:09 Permalink
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Girl I went thru a similar thing! I am scared, And so thinking about my baby. I made an international dating account and so many trolls are on there and hard to weed out. But i do have met a single father who absolutely adores his child and is super sweet. We been going out for nearly a month. Yes you've got to be careful, especially being a mother, But you can accomplish it. The best advice I can present you with is, you will want to fully ready to start dating again, Don introduce anyone to your child until you are in a relationship and can trust the person and it helps if they a single parent to so that way you have similar priorities. best of luck mama!

You are really so very young along with all the time in the world to start dating again and find someone who loves and respects both you and lo. Take all the time you need to feel that you'll be ready to leave your lo for a few hours or you won't enjoy any date. A particular someone may appear in your life out of nowhere and when least expected so keep your mind and your heart open, But I would take it really slow since now there's a baby in the image. What I would certainly do is ignore everyone pushing you to date again. It is a need that will come naturally cute spanish girls as you seek for it and the more concious choices you make, The better for pair of you.

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Fri, 07/19/2019 - 03:25 Permalink
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Latest Norfolk and Suffolk organisation News

The female one year old Amur tigers, Which captured our hearts while they were born at Banham Zoo in south Norfolk, Are the topic of a hunt that zoo bosses hope will lead to romance.

And time is short as furthermore it will be long before their parents turn their backs on their offspring.

They are also checking out the studbook an online database of tigers in the programmes, Rather like international dating for animals.

Banham Zoo's animal currency broker, john Woolham, 48, Is looking a call from London Zoo's EEP co ordinator, Jo make dinner, To see exactly where the cubs will be re homed.

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Tiger breeding programmeFinding true love can be like finding a needle in a haystack, But for tigers internationally help is at hand.

Zoo world wide that are registered with the European Association of Zoos and Aquaria (EAZA) Will record the zoo tigers on a online american StudBook.

The studbook is kept by a keeper who collects all the outcome on births, fatalities, transactions, And other relevant information on the zoo tigers.

The data is entered in software package programme, Which allows the studbook keeper to carry out analyses of individuals of that species.

Zoos in the European Endangered species Programme may ask the studbook keepers for tips about breeding or transfers.

"It is important the animals are not related and are not attached to the same packs. This is to keep in breeding manageable,

from the wild, Once a tiger cub turns two years old they would be forced out by their parents to fend for their own reasons and find mates.

The zoo tries to keep the animals as natural as possible and staff know that they can soon have to say goodbye to the popular pair.

wagering action keeper Tanya Noy, 33, claims: "it's going to a sad day when we say goodbye, But we need to do it.

Amur tigers factfileAmur tigers were once found on the Russian far east, n. China and the Korean peninsula.

by your 1940s, Hunting brought them to near extinguished, With around 40 remaining in the wild.

Russia became the first country on the planet to grant the tiger full protection, reducing the cost the subspecies.

The Amur tiger population had increased to around 500 by the 1980s but poaching was still a serious problem.

Continued conservation and anti poaching efforts by many wild animal charities have helped keep the citizenry stable at around 450.

Their habitat is the Sikhote Alin range in the Primorski and Khabarovski provinces of the Russian far east, And pockets in the border areas of China and maybe North Korea.

Sat, 08/17/2019 - 01:48 Permalink
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How 'Ice Bucket' developed into a fundraising juggernaut

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function tweets likewise skyrocketed, to be able to Topsy, A social media analytic web property. inside the Journal report hit last Friday, Twitter users had working the hashtag "Icebucketchallenge" 118,000 years. these days? It's greater 417,000.

(screengrab of Topsy)

exactly it all mean? Why the ice suitable container? Why Lou Gehrig's health issue? motive now?

Even proponents for ALS weren't able to figure it out. "It's very difficult to fundraise because everyone's never heard of ALS and it's a very complex disease to discuss and explain, puncture Slaughter, The ALS Association's lead fundraising event, Told the log. "We don't have survivors of this disease,

similar to good social media trend, Its origins are hotly fought for. But they will really have little to do with ALS. the initial Ice Bucket Challenge was less specific. It asked for a altruistic donation as in, Any monetary gift. When Matt Lauer got in onit and was soaked on national TV, He did not mention ALS and was later criticized for not mentioning an illness thatat the period had no apparentconnection to buckets of ice water.

Pete Frates, A 29 year old former college baseball player in Boston who has since developed the ailment, have been a key player. The New York Timesreported that his video of himself taking task to the strains of Vanilla Ice's "glaciers snow Baby" Spurred many to sign up.

"This is a creative way to spread ALS awareness via social media and in communities across america, The ALS union said on Aug, 6. "We thank Pete Frates and his family for getting so many people involved in getting the news out.

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