[jjgross]

Originally Posted by Philly215

Hello,

I am looking for some assistance on what steps I should take next. I sent a DV to AFNI in reference to a Verizon (residential services) account. In response to my DV letters, I just received 2 letters from AFNI showing past due balances. One letter showed a past due bill from January 15th 2005 w/a balance of $126.00. The second letter, which was for different services, shows a balance of $159.00 from December 1st, 2005. Both of the letters included a photo copy of what I assume to be my last bill from Verizon beaking down all of the charges. Now before sending AFNI a DV letter, they sent me a letter asking me to pay $60.00 and they would consider the $126.00 payment as settled "paid in full". Now I know from reading serveral post this forum, settlement/"paid in full" doesn't help me not one bit. I am hoping to increase my credit score 20 or so point with in the next 60 days is possible. So my questions are:

(1) Do you think I should send them a PFD letter for both accounts and how much do you thik is fair?

(2) Do they still have the right to collect on the Jan 17th 2005 account since the SOL is 4 years for regular services (we have verizon for phone, internet, etc.) because it falls under goods and services (UCC SOL - 4 years).

(3) Would it still be wise to try a PFD even thou it falls under the SOL because by law the "can not" collect but still can report such negative items on my credit report for 7 years.

Thanks

If they agree to delete in writing by sending you a signed letter,on company letter head then yes,if not no!