[OCGirl]

Hello,

New here and came across this site becuase i too have a voluntary repo with amercredit. Credit report showing currnt status as: Charge off and a Balance of $ 13346 which is the deficiency amount after they sold the car. It also reflects this amount as "past due". I let it go in November 2010, and i just ran my credit report is March 2011 and that is what it shows. They will only settle for around $10,000 but to do so i'd have to pay that in a year. Other than that, they won't do anything else. not sure if it's too early to try a pay for delelte letter and send in a settlement check...or it would be better to wait for it to be sent to collections and try to settle with them at a lower amount. I would like to get my credit back on track, and not sure the best route to go in regards to this item. any suggestions for the best way to handle this item? I also want to buy a house in about 2 years or so, and i believe any unpaid items like this have to be paid? Wondering what happened with the member who sent them the pay to delete and if they removed it or not? Also want to know how long she waited to send that letter? Like how much time passed from when she gave up the car to when she sent them the letter. Thanks! any suggestions would be apreciated!