What step should I take on this collection account?
Posted in the Meherrin Forum
#1 Nov 9, 2013
What step should I take on this collection account?I just found out while checking my credit score that I have a bill in collections that I've never been contacted about. I have never received one letter or phone call, even though they had the correct address and phone number. When I contacted the collection agency and told the lady I was talking to that I had never been contacted, she went into freak out mode and started yelling at me!! Yikes. I just hung up.
Here are the more pertinent details. The debt is a medical bill over 3 years old, thus passed the statute of limitations in my state. So technically they agency can't contact me. However, I'd like this off my credit asap. It seems my options are
1) Send debt validation letter
2) Send Paid to Delete letter
3) Try to negotiate them down AND get them to delete this off my credit report.
If I send a Paid to Delete letter, do I have to pay the full amount? Or can I offer a lower amount?
Is it likely that if I can get them to accept, say 50% of the amount, they will delete it off my credit?
And I thought debt validation letter would be the best first step, but when talking on the phone, everything they said sounded legit. The original amount was correct, the original collector correct, etc. If I do send a debt validation letter, and they don't send me a response with in 30 days, then what do I do?
Thanks for any and all help, I wish I could just sit down and talk to someone about this. But the only place in the town I live in doesn't do free consultations :(
#2 Nov 9, 2013
This site can help you finding the best option for you:@www.credit-solutions.info
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