My question involves collection proceedings in the State of: I am in Washington the debt collector is in Nevada. This debt is from mid 2008.
I need help![]()
I sent this January 11, 2011:
I have looked over my credit report and I see that there is a claim that I owe a debt to your collection agency. I must note that I have not yet verified this debt as legitimate and, as you are undoubtedly aware, I have a full right to do so under Fair Debt Collection Practices Act. However, I will try to save us both time and effort and settle this alleged debt out.
Below is my offer. It is not a renewed promise to pay nor does it constitute any agreement unless you sign and return it. Again, I have not agreed that this debt is mine and have an option and a right to request further proof from your agency regarding this debt.
Needless to say, you have the right to report this debt to the credit reporting agencies as you see fit and you can change this record status any time as the debt source reporting. You have also the right not to report it at all.
I am sure you are aware of my right to dispute this debt and request a full proof. I will not pay this unverified debt or any portion of it to you, unless we can agree that you will report this debt as mentioned below.
I know that having “PAID COLLECTION” status on the credit report would be very detrimental to me. Please do not tell me that you are unable to change the status or I will simply stop communicating and request full verification of this debt.
My goal is to come to mutually acceptable terms since this debt is questionable to say the least.
I will pay your company the amount of $100 as PAYMENT IN FULL for the full satisfaction of this debt. Upon receipt of the above payment, your company agrees to change the status to the "PAID AS AGREED" with all credit reporting agencies. You further agree to remove all previous notations of any delinquency related to this account.
If you agree to these terms please acknowledge this with your signature and return it to me. You agree that the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation.
Upon receipt of this signed acknowledgment, I will immediately send you funds priority mail. This is not a renewed promise to pay but rather a restricted offer only. If all the terms can not be met, no new arrangements will be made and the offer will be void.
Basically some thing I got off the internet I received back a typed letter dated jan 2X,2011 stating my name then as per request the amount are listed below with the date of the account the client the principal total due and EBS# along with it saying please be advice our client does not take reductions. Also the amount and packet #. Stated CA representative name signed printed and that it was an attempt to collect a debt.
From what I gather my first initial contact with them they should have had 5 days to notify me of my validation rights is that correct? Then I didn't send any thing yet but I received mail from them dated feb X 2011 which was a statement saying enclosed is the itemized statement you have requested (when?) This is an attempt to collect .... there is one print out that is from a ledger or might be a itemized statement and there are 3 bills which have my name account number due date etc is this validation? There is not the OC's address on any of the printouts either. I read some where that printouts aren't exactly validation and that what proof do i have that they were hired to collect the debt or that the debt hasn't been hired to another company by the OC. Please excuse me if I sound naive I only know what I read on the internet if any of what I have read is true . Any ways Feb 5 I sent them a request for validation basically another thing I found on the internet I asked for this
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Identify the original creditor and proof that you are legally able to collect this debt for them;
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
They responded with a bill this is a friendly but urgent reminder .... I have sent nothing further but lo and be hold they got my number somehow I talk to her and she asked if I can make a payment I basically told her I was still waiting for verification and that the thirty days was up or almost up she said she provided it threw a few incorrect dates out there but immediately corrected herself I said that was a printout she said legally that was all they needed to provide I said well no offense but you guys are liars and how do I know you are able to collect this debt? Her company has been ... why would they ... and find do your research! Ok sure I said please do not contact me by phone any more only by mail and she said and do what keep sending letters (forgot what I responded with) and the call was basically ended with a thank you thanks bye.
I sincerely just want this off my credit I don't want to argue or any of that but unfortunately I cannot pay in fullI was going to offer another settle or pay for delete but the most I can do is a little less than 200 when the debt is about $450 advice thoughts suggestions all appreciated I do not have any clue as to what I am doing I did learn to not contact such an old debt! Sheesh that was a silly move.

