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Originally Posted by troybliss  ok, whats your opinion on this. find all the stuff that cannot be collected because of the statute of limitation, contact those creditors, inform them in a letter that YOU know the debt is out of sol, but you are willing to settle the debt in exchange for them removing from your reports, because something, is better than nothing. |
For OCs, I think that's a fine idea if you are sure it is a legit debt with the right amounts. If you are not sure, I would suggest disputing it with the CRAs first and if it comes back verified.....then send the OC a debt verification letter. If they verify the debt, then you could try a PFD.
For CAs....blech. :p I would say dispute/DV/1 2 punch them and force them to provide proof of the debt first (or violate a law which is what they do best) before trying to negotiate anything........ I hate paying CAs and would just about rather cut my arm off first.