la debauche

Update: I walked into a Sprint store yesterday. The iPhone 6s had just come out so I really had to pester the guy by saying "I really just want to pay you guys $1700..." he reluctantly agreed to assist me. Looked up the old account, found it, said he could help me right then and there, I swiped my card, and not only can I not find the collection on my CRAs, when I attempted to call the CA, they told me they had no record of my phone number or account number.

What's your goal? To have it removed from CRAs

I have a $1700 collection with GC Services for Sprint from Feb 2015. I have not DVed or disputed since it's 100% legit, I'd like to pay it off in full. I called Sprint last week asking if they would pull it back from the CA, but they wouldn't and it's likely I just wasn't talking to the correct department/person. I've read a couple things about just walking into the store to pay directly, looking for some guidance. Thank you!

I have a Sprint collection account (but with GC Services) for $1700 I want to pay, I called Sprint last week to ask if they would take PIF and remove from collection and was told no. I imagine there's probably a better contact somewhere in Sprint that could probably help, but i'm thinking of just walking into the store and see about paying. Any advice? I haven't DVed or disputed since it's legit and from this past Feb 2015.

I did originally dispute quite some time ago. Just getting around to doing the clean up work and sending out money to delete and repair.

I would presume if they accept your offer, yes. In my case, they only mailed the notice they were requesting the CRAs to delete the file.

I used a letter I found from another member here who had success with them, I will repost though. It's a two page letter, one requesting the PFD, the second is requesting they sign to agree to the terms. August 13, 2015 IC SYSTEMS COLLECTIONS P O BOX 64378 SAINT PAUL, MN 55164-0378 888-735-0516 Your Name Your address RE: ACCT# xxxxxxxxx Original Creditor: Mt. View Veterinary Hospital Total debt due $94.00 Dear IC SYSTEMS, This letter is an attempt to settle a debt. This account is reporting on my credit report. Please be aware and on notice that I continue to aggressively dispute this debt. I have no knowledge of this original creditor. But in the interest of both parties, I am prepared to offer a compromise settlement offer. I am prepared to pay you by certified funds 30% of the total amount due in return of full settlement and deletion of this account from all three credit reporting agencies. Please note, I am not requesting that you note my credit file as, ‘’ SETTLED IN FULL’’ or the like. I am requesting that you delete this account in its whole. Let it be known in writing that, my offer to settle this debt is in no way acknowledgement or admission of guilt to liability of this debt. If you agree to this settlement, please have someone authorized in your office sign the attached agreement and mail it back to me. Upon receipt, I will immediately sign the agreement and return it with payment within 10 business days days. After you receive the payment and signed agreement from me, I would expect the deletion from my credit report, within 15 business days. Thank you, Your name $94.00 Due $28.00 Pay-Off Amount ( 30% of total debt) $66.00 Total Discount August 13, 2015 Settlement agreement between Your name AND I .C SYSTEMS COLLECTIONS. This agreement is to settle the account currently owned by I.C SYSTEMS COLLECTIONS. Original Creditor: Mt. View Veterinary Hospital Account Number: xxxxxxxxxx Balance Due: $94.00 Without admitting guilt or ownership of this debt, YOUR NAME agrees to pay a payoff amount of 30% of the total debt equal to but not exceeding $28.00 within 10 days of acceptance of this agreement. In addition, YOUR NAME releases I.C SYSTEM COLLECTIONS from all liabilities, civil or legal that might arise from this debt, rather now or in the future. In return for payment as stated above, I.C SYSTEMS COLLECTIONS will consider this debt settled in full and will not resell the remaining balance of 70% of the total debt. In addition, I.C SYSTEM COLLECTIONS, agrees to delete this account, in full from all 3 credit reporting agencies within 15 business days from the receipt of payment. If an agreement is reached and either party violates this agreement, both parties has a right to seek legal ramification in a court of law. If either party disagrees with any portion of this agreement, they must not sign this document. This is a legally binding document. Photo or fax copies of this document, can be treated as the original. ________________________________________________Area Code ( )____________________ YOUR NAME SIGN and date (will be signed once agreement is accepted) _____________________________________________________Area Code ( )________________ Authorized Representative of I.C SYSTEMS, DATE AND SIGN / JOB TITLE/ PHONE NUMBER Must be someone, authorized to enter IC SYSTEMS into a legal binding contact

I sent out my first ever pay for deletion to IC Systems. I requested a 30% payment for deletion and received the following letter in response: "I.C. System has requested the credit reporting agencies to whom we have reported the referenced account remove the account from your record. however, the account remains unpaid and is still due and owing." Sincerely, Manager (signautre and name included) The account is still within the SOL until next year. On the one hand, I'm thrilled they are removing it, but on the other hand, why would they just remove in lieu of accepting at least 30%? Granted, the collection was $94 and the 30% is $28, but still. Curious your thoughts on this.

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This was my first post here http://creditboards.com/forums/index.php?s...=348499&hl= This is the letter I received in the mail today. Dear La debauche, This letter follows receipt of your answer filed in the above referenced lawsuit. Pursuant to your request, please find the enclosed itemization for the account alleged in the above referenced matter. Now that you have filed an answer,this case is at issue with the court. Next, plaintiff intends to file a motion for summary jugdment with the court. The court will then schedule a hearing to rule on plaintiffs motion. If you are interested in settling this matter, my client is willing to consider a payment plan secured by judgment. If you are interested in a payment plan, please complete and return the Financial Information Form at your earliest convenience. Please be sure to complete the form in its entirety, including the proposed down payment and proposed payment plan sections. Alternatively, my client may be willing to accept a reduced settlement amount if paid in a lump sum. Please note that under the FDCPA, we have no obligation to complete the questionnaire you enclosed with your letter. If you should have any questions regarding this matter, I invite you to contact me. Please contact my office on or before July 28, 2008. If I have not heard from you by July 23, 2008, my client has instructed me to proceed with a motion for summary judgment in the above referenced matter. I love the two different dates noted there, but anyway... In the reply, they have an entire breakdown of my medical charges, including all tests and prices. Where do I go from here? I am also posting this in the I've been served forum, since it pertains to both a lawsuit and medical charges... I forogt to mention this, but I do believe this isn't showing on any of the CRAs at the moment.

Have you been sued?? Is there a judgment on the records?? You need to start at the beginning and not do ANYTHING unless and until you have followed ALL the preliminary steps. Opt out Delete old addresses Send the medical dispute letter to the CRA's http://whychat.5u.com/hipaadisp.html You can't just jump in and pay the OC without doing the basic groundwork. If you already have a judgment entered and recorded, then NOTHING you can do with the HIPAA letter program will get rid of it. Check this out; http://whychat.5u.com/deletejudg.html IF you have a recent judgment that HAS BEEN RECORDED, ( not just filed and entered) the only thing you can do is to pay it to the Court and get a filed release recorded and THEN try to dispute it off your reports. I believe it's been recorded, but I guess the only way to find out for sure is to go to the county clerk, yes? When I filed with my most recent response to the new suit for collections, I picked up paperwork to appeal the last one but didn't actually check what was on file. Any idea on how to start the appeal process though? I have an idea on how to negotiate on it because they had some weird billing stuff come up, but any advice on where to go next would be helpful. Thanks for your response!

As I keep looking up new subjects to help my floundering credit, I keep finding more things I have questions on. First, just to clarify the Whychat process, if I pay to the original medical account, the CA can no longer report on it due to HIPAA? Is that correct? And if it IS correct, would the same apply to a judgment? I had a recent chiropractor bill I stupidly allowed to default, and I have been planning to dispute it with an appeal. But my train of thought is wondering if the same could apply...do I pay the chiropractor then file an appeal saying this has been paid, stop reporting? Thanks in advance!

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Thanks for the warm welcome! And

Hey there, I'm in the beginning phase of repairing my credit, lots of medical bills, a couple judgments, and some credit card debt. I"m in Washington State and would like to buy a house within the next year. After reading through many posts and sample letters, I have a couple questions. My head is spinning with all the info! First thing, I received a collection letter and court summons regarding a medical bill. I have printed up a validation letter I will be mailing certified later today. I will await that letter and probably come running straight back here to post. Second, I'm not sure if I'm comprehending this correctly, so correct me if I'm wrong! If I pay a collection account, it will not improve my score? Not a charge off, but a collection account? And in that event, I should start sending validation letters to all of them in hopes of getting them removed? Third, and more important to me because it's not mine, an item in collections for Les Schwab was an account that was my deceased mother's. She was the original owner of the account but listed me as an authorized signer. When I disputed this a couple years ago, it was verified as being my debt. They stated that my signature on the receipt proves my liability and now all 3 CRAs report it as a joint account. As I was reading through some posts here, I see that if I redispute and they refuse because of past verification, I can ask them to remove it because I requested a reinvestigation and they didn't provide it within 30 days, yes? For some reason I think I'm missing something but I guess I can add it later or look more into them when my head calms down from all the awesome info you guys have here. Thanks a lot! Jennifer