esi

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About esi

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  1. @Rogue198 Indeed, it is Care Credit. I didn't dispute with them. How would I do that? And how do I dispute it as invalid?
  2. I'm doing much better financially now, maybe I should hire a lawyer and let them sue and try to explain my position in court. If i lose, however, how can a judgement affect my credit score? I'm trying to repair my credit. Any recommendations for my best course of action right now?
  3. @TomnTex @BV80 A question referring to my original post. Can I add maybe something to the letter I already have like this offer or I will settle for half if you won't remove it of my CR? Or add something along the lines of I dispute the amount? I truly do. This was a credit line for dental services. I went in for one appointment that cost me around $300, but they said I need my teeth pulled and yada yada and charged up all my available credit for "future work". I never had it done, called them a few times to charge it back and they didn't, and now that dental office is permanently closed. I never made payments because 4 months later I ended up broke, jobless and moving back to my parents across the country. Also for debt like this in FL I believe the SOL is 4 years, but could be 5... currently this debt is 3.5 years old.
  4. So from what I understand now, I should call the attorneys office and try to negotiate a settlement by phone and receive a letter of whatever we discuss in writing before paying a cent, and drop all hopes of removing entry from my CR?
  5. In the DV packet I received there is a Bill of Sale from the original creditor to the collections agency, which has a part that reads "Seller hereby transfers, sells, conveys, grants and delivers to Buyer, it's successors and assigns, without recourse except as set forth on the purchase agreement, to the extent of its ownership, the receivables as set forth in the notification files..."
  6. They are reporting on my CR, and I'm not sure about your second question, but the sum they are asking for is exactly the sum I owe to the original creditor, so I guess they're collecting for the original creditor.
  7. I have a debt in the $1400 range. I responded to the debt collectors original communication by sending a letter for debt validation. By the way, the SOL has not passed as this debt is only about 3 years old. In response to my letter, an attorneys office responded that represents the collection agency, validating the debt. They have not threatened to sue yet, and as of this point we have not communicated any more. In response I have prepared a variation of the pay for delete letter to the collection agency and attorneys office. The version to the CA: Dear Collection Manager: This letter is in response to the debt referenced above. As I am currently trying to correct my past mistakes and fix my credit, I wish to save us both some time and effort by settling this debt and avoiding all unnecessary further actions. I am aware that your agency, (COLLECTION AGENCY) has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, (COLLECTION AGENCY) has the ability to change the listing since (COLLECTION AGENCY) is the information furnisher. I am willing to pay this debt in full in return for (COLLECTION AGENCY)'s agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $1xxx.xx payable to (COLLECTION AGENCY) in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of (COLLECTION AGENCY). The letter will be treated as a contract and subject to the laws of my state. Please forward your agreement to the address listed above. The version to the attorney: Dear (ATTORNEY): This letter is in response to your letter on (da te) related to the debt referenced above. As I am currently trying to correct my past mistakes and fix my credit, I wish to save us both some time and effort by settling this debt and avoiding all unnecessary further actions. I am aware that your office and/or (COLLECTION AGENCY) has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, (COLLECTION AGENCY) has the ability to change the listing since (COLLECTION AGENCY) is the information furnisher. I am willing to pay this debt in full in return for (COLLECTION AGENCY)'s agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $1xxx.xx payable to (COLLECTION AGENCY) in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead or have (COLLECTION AGENCY) prepare a letter on their letterhead, whoever applies, agreeing to the terms. This letter should be signed by an authorized agent of (COLLECTION AGENCY) or (ATTORNEY OFFICE). The letter will be treated as a contract and subject to the laws of my state. Please forward your agreement to the address listed above. I have questions about this, however. Is there a point in sending this after I have received my debt validation? Is there anything in these letters I should add, rephrase, or omit? I really want to avoid any lawsuit and want to settle quickly and preferably save my already tattered credit score. Just looking for suggestions since I don't know the proper response after receiving a validation of debt.