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gdtobefree

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  1. I think there should be a law against companies that are hired to collect debts for companies. They shouldn't be allowed to report unless they purchased the debt. With the OC already reporting someone they hire should not be able to report the same debt. That to me is double jeopardy.
  2. PRA only paid pennies on the dollar when they purchased your debt from the OC. I personally would cut them off at the pass and offer PRA the $200 to settle the account and not report it. If they don't agree then I would used the arb legaleagle suggested. While yes, filing for arb does have a bigger bite your going to spend the 200 anyway why not nip them in the butt to begin with. I have PRA on my reports for 2 accounts and are about to drop off in June of 2020. They wouldn't accept my offer so I'm about to offer them pennies on the dollar ( 60 & 42.00) they don't take it then they can rot off my reports.
  3. Guess I'll sock drawer it
  4. Anyone else have problems using their cap 1 card? I have to call their fraud department everytime I want to use my card. Is it just me?
  5. Jh portfolio for an account that hasnt updated since 2015. And Erc for direct TV. No disputes or anything, well, I did get ERC down to 50% but Direct TV shot it down and said NO. I told direct TV they could rot off my reports doesnt matter to me. Next thing I know ERC vacated my reports.my score dropped 2 points. I know it's just 2 pts I figured they would have gone up not down.
  6. After being taken for 15 grand the last time I am happily single and will probably stay that way the rest of my life. Strike 3 for me. Lesson learned and years of cleaning up the messes.
  7. Too bad you can’t use it for buying munchies lol
  8. No it kept giving me an error page when I tried to post. I apologize for the double post.
  9. So, I called Direct TV and talked to them again but they referred me to the CA assigned to the account which is ERC. I called and negotiated them down to 50%. I told them I would pay it that day under one condition. That they delete the account upon payment. After talking to several people at ERC it was a no go on the PFD. So I told them the account is past the SOL for suit and I really don’t care and it can age off my reports no big deal and I hung up. Yesterday I got a letter in the mail from them stating they placed my account on hold and that collection efforts have ceased at this time. This letter is not an attempt to collect a debt. This letter is to provide you with required legal notices. We are required to inform you that we are a debt collector, we are also required to notify you of the following. 1. Unless you dispute the validity of the debt.......... 2. If you notify our office within 30 days .......... 3. Upon your written request within 30 days we will provide you the name and address of the creditor....... Today I got a alert that a collection has been removed, lord and behold it was ERC.
  10. So, I called Direct TV and talked to them again but they referred me to the CA assigned to the account which is ERC. I called and negotiated them down to 50%. I told them I would pay it that day under one condition. That they delete the account upon payment. After talking to several people at ERC it was a no go on the PFD. So I told them the account is past the SOL for suit and I really don’t care and it can age off my reports no big deal and I hung up. Yesterday I got a letter in the mail from them stating they placed my account on hold and that collection efforts have ceased at this time. This letter is not an attempt to collect a debt. This letter is to provide you with required legal notices. We are required to inform you that we are a debt collector, we are also required to notify you of the following. 1. Unless you dispute the validity of the debt.......... 2. If you notify our office within 30 days .......... 3. Upon your written request within 30 days we will provide you the name and address of the creditor....... Today I got a alert that a collection has been removed, lord and behold it was ERC.
  11. Trust me his method works! Follow it to the T.
  12. This used to be a big thing back in the day
  13. I have been trying to work with these people and man are they sticking to their guns!! I got a call from the EO and he was an ass! Pardon my French. He wasnt nice at all. And the dates he had didnt match when I signed the contract. They had 2017 I signed it in 2014 i have the e contract printed. He said he didnt see any complaints in the account notes. I emailed him screenshots of the 13 times I complained. Havent head back from him since. Imagine that. The CA agreed to a lesser amount but flat out refused a PFD. I called them and spoke to several different people as well as supervisors. I guess Cen's idea will be put to use.
  14. So I decided to tackle the smallest collection I had. Past SOL. $158.00 from 2016. Called the OC to settle it. I know I know, well, I really wasnt sure what it was for so I asked them about it. Their response was "we changed our system and purged everything so I cant tell you any details about your account". She told me to contact the CA. I did. Their response was the same thing, the OC didnt send them details just a balance. I disputed it and imagine that it came back verified! SMH

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