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  1. Debt Collectors: Re: What Should Be Documented in a Settlement Letter

    Thanks for the advice. I called them back and they advised that they are acting on part of their customer and that they cannot do a pay and delete. They also advised that Citibank cannot remove it...
  2. Debt Collectors: Re: What should be documented in a settlement letter?

    Also, is it possible to request that the item be removed from my credit report? Once settled, how will it appear on my credit report and is there any hope of getting it off?
  3. Debt Collectors: What Should Be Documented in a Settlement Letter

    Hello,

    Can anyone advise what should be documented in a settlement letter? I'm about to settle my debt with a collection agency, but want to make sure that he settlement letter they present has...
  4. Debt Collectors: Re: Credit Card Sent to 3rd Party Collection - Rights and Laws

    Hello Again,

    Rather than drag this out, I've found a way obtain the money to settle the account. They have offered to me the ability to settle the account for 50% of the debt owed. My question...
  5. Debt Collectors: Re: Credit Card Sent to 3rd Party Collection - Rights and Laws

    One more question. What is the probability that they will try and take me to small claims court over the remaining balance. The remaining balance is about $4600. Issues for small claims court in...
  6. Debt Collectors: Re: Credit Card Sent to 3rd Party Collection - Rights and Laws

    Hello,

    Ok, I agree. Foolish on my part!

    I called them back and asked for the agreement in writing from the previous representative. She flat our refused. She said "your $100 payment is not...
  7. Debt Collectors: Re: Credit Card Sent to 3rd Party Collection - Rights and Laws

    Hello,

    Ok, makes sense. However there was no payment contract. I was never asked to sign anything, I was never faxed or mailed any type of payment arrangement. I was verbal with the rep who is...
  8. Debt Collectors: Credit Card Sent to 3rd Party Collection - Rights and Laws

    Hello,

    Going back about a year, I took a pay cut and ran into some extreme financial difficulties. My home depot card was sent to collections after it was delinquent for 120+ days. The 3rd party...
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