 Maybe......
This is what I'm thinking about sending.... they have no clue about the house or that I am employed. It is none of their business as far as I am concerned.
Dear Collection Manager:
It has come to my attention that your agency states I owe you a debt. This is an attempt to settle this debt.
Below is my offer. It is not a promise to pay nor does it constitute any agreement unless you sign and return it. I have questions to the legality of the service in this case. Actually, the paperwork filed with the courts shows that I was served my “Summons to Appear” improperly. I do not want to pursue a “Notice to Vacate” or my right to dispute this debt and request full proof of the obligation at this time.
Paying this unverified debt to you means little to me if we cannot mutually agree that you will report the debt as paid in full to the three major credit bureaus. I am hoping to resolve this issue directly with you.
Suffice to say, you hold all the rights to report the debt to the credit bureaus as you see fit and you can change that listing at any time as the source reporting the debt.
While I realize that your purpose is to collect debts as a collection agent, I am also aware of what a paid judgment would represent for me, which is still less than favorable, but is better than it showing as owing. That being said, I have verified through the bureaus that you have the absolute right to report this debt as you see fit or not report it at all.
Please do not quote to me that you are unable to change the listing or I will be forced to cease and desist our communication. In the end that would result in little to no satisfaction of this debt. I am currently unemployed, have no real estate or assets to attach and have no plan to pay this debt for any other purpose then credit repair, and having it listed as paid on my credit report so I can seek employment in the future. If I am unable to find appropriate employment in the future, it also may become necessary for me to file bankruptcy, which will again not benefit your company, as I have been assured by my attorney that your debt would be dischargeable under a Chapter 7 bankruptcy.
My goal is to arrange a term acceptable to both us, and since the service of paperwork (Summons) before you were awarded this judgment is questionable, as is the total amount you say I now owe, I am asking for your corporation in this matter.
I will pay your company the amount of $700.00 as payment in full fand full satisfaction of this judgment. Upon receipt of the above payment, your company has agreed to report this debt as paid on all three of my credit bureau reports. You also agree to accept this payment as being in full and to never transfer any possible balance to another entity. You also agree to send me a receipt showing that this debt is paid in full, so I will have written confirmation of payment if the major credit bureaus do not change the current listed information.
If you concur with these terms, please acknowledge with your signature and return it to me. In doing so, you agree to the terms herein, that they are confidential, and that 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 mail you a money order via priority mail for $700.00. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void.
Name of Creditor:
Signature of company officer :
Date:
Sincerely,
What do you think?????? Thanks
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