Birdnals

Members
  • Content Count

    20
  • Joined

  • Last visited

Community Reputation

10 Good

About Birdnals

  • Rank
    Newbie

Profile Fields

  • Location
    Tampa, FL
  1. Just got off the phone with the OC and they told me that if I pay them then the CA will not get paid for this account which is contrary to what the CA told me. Some nice leverage there...
  2. This is the part that I find so strange. I'm waiting for the rep I spoke with yesterday to call me back. I plan on telling him that I have 2 letters written up: One letter to his agency that includes a PFD letter for the amount they're requesting which needs only to be signed with a self addressed stamped envelope and another letter to the OC offering the same thing that explains that to them that the company they hired to collect a debt failed to do their job because they refused to spend the 10 minutes and 44 cents it would've taken them to collect their money. I'm willing to bet the OC would be more than happy to accept the offer and not have to pay the CA their collection fee.
  3. Aargon is a CA collecting on a utility bill from Missouri (live in Florida now). The bill was delinquent in the spring of '06. Again the amount of the debt is a nonissue, it's the having the deletion in writing prior to payment that is hanging this deal up. Thanks.
  4. I sent a pay for delete offer to Aargon offering about half of the debt in exchange for full deletion. Today, I received a call from them offering that I pay the full amount in exchange for deletion. I told the guy that I wanted a letter from them putting this offer in writing. He told me that the way they handle this is that I go on the website and make a payment and then he would explain to me how to get the deletion letter. I told him that without a letter in writing, there was no way that I would make a payment. He told me to rest assured that it would be deleted if I made payment. I again told him no. He then tried to explain to me that they don't send out letters like that and that they wouldn't do that. I said that if they didn't spend the 44 cents it would cost them to send me a letter then they would not get their money. I'm now wondering what to do next. Should I send another letter telling them nothing will be done over the phone and only offers in writing will be considered? Any help and insight would be much appreciated. Thanks and God bless.
  5. Alright well I took a middle of the road approach. I told them that while I know that they're not required to show me proof that they do indeed own the debt that I also understand they will be required to do so should they take this case to court and that they won't receive any money from me without said proof. I then went on to request validation etc etc and told them that even though they are not yet attempting to collect a debt that they ought to provide all of this now before they do start, otherwise they will just have to go through this whole process again. Thanks for the advice guys, I'll keep you posted.
  6. Norway -- Thank you for your thorough analysis. I guess my hope is that since Verizon did not have any account information on this 14+ months ago that there will not be much documentation available for Midland to verify this debt. The part that confuses me is how the letter states they are not attempting to collect a debt and will not do so for at least 30 days. Has anyone ever heard of this? My concern is that since they are not attempting to collect a debt yet that I can not start the validation process yet.
  7. Then why would Midland wait until now to contact me and say that they have purchased this debt? Regardless, what course of action would you recommend?
  8. I just received a letter from Midland Funding saying that they now own an account that I had with Verizon Florida Inc. I had home internet and cable service with them around three years ago and then cancelled my service. About a year ago, I inquired with Verizon to get service for my home again. When talking to them I asked them if there were any previous accounts that needed to be cleared up first. I was told that they had no record of an account. Additionally, Verizon has made no effort to contact me over the past three years in regards to this account. Now I just have a letter from Midland saying that they own the account and to contact them in reference to the account. It also says that no collection efforts will begin for at least 30 days from this notice. I have zero clue what to do with this. I am already, successfully, repairing my credit with the help from this form. i plan on trying to buy a house a year from now so I want to protect my credit for the short term future as much as possible, even if it means shelling out some cash now. Best regards
  9. Got home today and had a notice for a missed certified delivery from one of the collection agencies I DV'd. Was this most likely a summons? It's a tiny debt, under $300 so I could pay it today if I had to. Will just being summoned have any effect on my CR, even if I called them tomorrow and paid the whole thing off (I know that having them change it to paid and redating it would hurt it)? And will CAs still accept an out of court payment if they've sued me?
  10. OK so it sounds like sending them something referencing 805 © (1) is my best plan of attack. How about sending them something like this: Should I also enclose a copy of my original letter to them and a copy of the return receipt? Also note that this debt is very small, ie less than $1000. If they decided to file suit on me I could settle it tomorrow no problem. Thanks guys.
  11. Call was automated and to my cell. They stated that they were a debt collector attempting to collect a debt.
  12. Yes it was sent cmrrr and they received it a few weeks ago. So what should my next move be? I'm interested in just getting this off of my cr more than anything else.
  13. I DV'd with Aargon Agency and received a letter from an attorney representing them demanding payment and stating the amount I owed and the name of the original creditor. I've never received a dunning letter from them and they have since started calling me and leaving voicemails even though I stated in the letter that all contact must go through mail. Thank you.
  14. Sorry for not specifying. Bill is from a Colorado hospital.