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1. Who is the named plaintiff in the suit? Jefferson Capital Systems, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Roosen, Varchetti & Olivier 3. How much are you being sued for? Les than $5,000 including original claim and pre-suit interest. According to attached promissory note, original loan amount is less than half of what they're suing for. 4. Who is the original creditor? (if not the Plaintiff) Sallie Mae 5. How do you know you are being sued? (You were served, right?) Yes 6. How were you served? (Mail, In person, Notice on door) In-Person at place of residence 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you were being sued? Some mailed letters to me over the years probably. I never established contact with them. 9. What state and county do you live in? Dekalb County, Georgia 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Unsure. Sometime in 2012 most likely. Maybe 2013. 11. When did you open the account (looking to establish what card agreement may be applicable)? Unsure. Promissory Note they included has digital signature and date of Fall 2010. 12. What is the SOL on the debt? To find out: 6 years for written, 4 years for oral, 4-6 years for open-ended accounts. I think it's very possible they filed the claim right when the statute of limitations expired, but I don't know that I have any way of proving that. 13. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). The date filed on the claim is Spring 2019 apparently. Was served this month and have some time to file an answer but need to do it soon. 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract'). No 16. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 30-day timeframe 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. *Copy of Application and Promissory Note of Signature Student Loan signed & dated in 2010. Promissory note includes details of a Jury Trial Waiver and Arbitration Agreement. *1-page copy of Business Records Affidavit signed in 2019 in a different state by a custodian of record for Jefferson Capital Systems. This affidavit references the last four numbers of the alleged account, but I can't find anything in my records with these four numbers? Is this the account number assigned by Jefferson Capital or the original creditor Sallie Mae? Is there any way to prove they put down a random account number? *signed and dated Bill of Sale and Assignment. It references a charged-off account portfolio dated Summer 2013. No name or account number or other identifying information other than the date of the alleged charged-off portfolio. 18. How did you find out about this site? Online *** I would appreciate any input on the best way to proceed. My goal is to have the suit dismissed with prejudice, if possible. If this is an unreasonable expectation, please let me know. So far based on my research on this forum, I have gathered there are a couple of options available to me. I could: 1) request arbitration to make their lives more difficult. I'm basing this on the jury trial waiver and arbitration agreement found in the promissory note papers they included as evidence (although those pages are copyrighted up to 2009, and the promissory note was signed and dated in 2010, if that makes any difference) 2) file my civil answer with the following affirmative defenses: 1. statute of limitations 2. lack of standing 3. failure to state a claim upon which relief may be granted 4. failure of consideration etc. and/or 3) file a motion to strike the affidavit based on hearsay. Some questions I have are: Is it reasonable for me to try to have this suit dismissed instead of settling? What are my chances with the Dekalb County Magistrate Court system in this era of covid-19? Is SOL still a gray area with private student loans? How do I prove the SOL had already expired when the JDB filed suit, assuming very poor record-keeping on my end? Would it be better to file a motion to compel arbitration vs. filing a civil answer with affirmative defenses? Is there something I can read on the correct order of steps to take e.g. do I file the motion to strike the affidavit at the same time as my civil answer? If I request arbitration based on the promissory note, are there loopholes that allow the JDB to get out of the clause? What are the chances they actually agree to arbitration and drag me through it? Should I file my answer electronically vs dropping it off in person? Some other background info that may be pertinent to this complaint: This same JDB won a default judgment against me last year because I never showed up to the court date (by the time I got around to checking my mailbox, the court date on the notice had passed and it was too late). It was for a private student loan of a similar amount. Same county and state and handled by the same law firm that filed this claim. And thank you in advance for taking the time to look over my post. There is no way I can afford a lawyer right now or borrow the money for one--the timing of this suit couldn't be worse--but I'm trying to remain calm and proactive. (If safe to do so I can upload scans of the arbitration agreement that's in the promissory note they provided me). Thanks again!

Hi, I'm trying to get a loan forgive as a teacher but my loan servicer doesn't qualify me( AES) even though Ive been paying for over 10 yrs. I'm also being bombarded with telemarketers about loan forgiveness. But these could be scam. Is there legit way to go about getting student loan forgiveness? Thanks!

In the late 80's I went to bankruptcy court and they reworked my student loan. I am paying $300 until I am 78 years old, twelve more years, and I am paying 7% interest. I called and wrote Petra Shipman who was the person I always spoke to about defaulted loans asking how much I would have to pay if I were to pay it early. I'm thinking, like a mortgage you would save on interest. First she sent me a statement just showing where I was and the same payment until I'm 78 years old. Then she wouldn't call back. I sent a certified letter asking for information. I received no response. The company used to be Sallie Mae then USA Funds. Now it is called Navient. Does anyone have any suggestion? I was thinking of taking money out of my retirement so I wouldn't pay 7% interest. Thanks Barbara

I'm trying to help my brother with a 33K lawsuit from National Collegiate Trust. The loan was made in 2006. He had a co-signer whose last payment was made about 2 years ago. She is dealing with a suit against her for the same amount, but they have sued my brother separately, so I am hoping his case is entirely separate from hers and that the SOL is an immediate option for defense. Also, I spoke with a lawyer who said Standing should be a good defense, as NCT provides only 2 pages of the original loan doc from Chase & no proof that they own this loan. Lastly, the original complaint (at least, the one we have in our possession) is not signed by the attorney. That seems to be a problem, but I'd love to know if you guys have thoughts on this. Is it worth mentioning, or does that matter? It's now at 22 days past service, unfortunately. My brother didn't get me this info until the weekend, so I'm hoping to file for an extension. I can rush an Answer and file it today, but I would need to spend all day working on it and I'm kind of stressing because I don't want to file something incorrectly. Any help or input would be greatly appreciated!

Hello everyone, I have a multitude of questions that I need advice for. A couple of years back, around 2010 I had a couple of student loans that went into chargoff, I was able to have 2 of them in rehabilitation and are no longer affecting my credit. One of them however, has charged off, it is pretty high around 17000 dollars, however I have been paying them monthly over the course of 5 or 6 years. What I do not understand is why, even though I am making payments every month, they report it to the credit agencies as a charge off. I've offered them money to just take it off my credit score, I've offered to settle, I've offered to consolidate the loan, I've offered them to settle the loan by taking another loan out. Their reasoning for this is that since it is charged off that they will keep notifying the credit agencies of that even though I am making payments. First Question: 1) Do these people have to report it as charged off even though I have been making payments for 6 years. It seems like a bully tactic to me in order to pay it in full. I don't see why they can't put me into some sort of rehabilitation like my other loans have to wipe it off my credit history 2) why is it that they cannot just not report anything, is this normal behavior? When speaking to other agencies it seems like a charge off is usually only reported when payments are no longer being made. 3) They have asked me to settle for 7000 however I did not have the money at the time. I was thinking of taking out a personal loan in order to settle this issue just to clean it out. Will this effect my credit score in any way? 4) If they do agree to settle, if I get the money, would they be able to remove the bad credit history from my credit report? I've heard different ways to go about doing this, one would be to deal with the issue and once they have the money dispute it with the credit agencies and they are likely to contact the collector, and USUALLY will not report back. Is this at all true, is this the way it works? What are my chances in succeeding with this? Is there any way to show that I have made good due on my payments since it was charged off, it just seems so odd to me that I get punished every month for actually making payments to these people? 5) if so to question 4, who do I contact to dispute something negative on my credit report, do I have to call each one individually? 6) What are the best ways to have them remove it from my credit score before settling, I would think there are certain things that could be done, considering I have leverage in finally paying them their money? 7) If I would want to get another loan in order to settle, where is the best place to do that? I have been trying to take advantage of some real good credit card rewards deals, and none of them will give me the card because of this. 8) Are there any ways of talking to these credit card agencies to approve these credit cards, I have been making payments for many years and haven't been a delinquent since. What are some strategies in order to do this 9) I am looking to buy a house soon. I've spoken to my loan officer and he said because of my high credit score I shouldn't have a problem purchasing a house on a loan. Is this true? it seems odd to me that a I wouldn't get a credit card, but would get a loan for a house. 10) My credit score from Trans Union showed up as 810, so what I don't get is why this is so high if I'm considered a delinquent? Does my credit score seem too high? Maybe I got it from a lying website or something? I still have all info from it? Should I be getting my other scores from experian and equifax, will doing so affect my credit score? I know this is a lot but it seems like theres no where else I can find answers to this. Any help would be greatly appreciated

I have defaulted student loans. With the intention of rehabbing these loans, (2) Under student status it gives an incorrect withdraw date. The report also states my direct loans as FFEL loans. Additionally, since there is an offset taken from Tax Returns since 2005, I can't seem to get any verification this money was applied. I called the University as they were the receptors of the loans, I requested verification concerning the withdraw date, and why direct loans were FFEl. There response was the withdraw date was correct, and that I had no FFEL but Direct loans. Basically they repeated my questions back to me. Before I go any further, as a consumer what are my rights regarding these loans? When I ask for verification are they required to actually tell me how this was verified, basically she just went to the same website I did. I mean it behooves them to be correct because if they are incorrect there is a refund due to the loans they received. Also I requested how the direct loans became FFEL? No response from the U. Additionally I asked if I could access the applications themselves to see how I was even eligible for the loans since I was failing? The point is, do I have a right to see how my eligibility was determined? Bottom line, they told me to contact Department of Education. Who are they in the stream of this collection process. Where does the buck stop? Thanks

Hello, First off, thanks for checking out my post. I am being sued by Patenaude & Felix for a National Collegiate Loan. This is the first of two loans they have on me, so I suspect the second one is coming. So far, they have filed the suit on the first loan, but I have not been served yet. The suit is in California. My co-signer is being sued along with me. I qualify for the court fee waiver, but the co-signer does not. Can I singlehandedly file answers, motions, etc. or do both parties have to (so that the co-signer would have to pay filing fees)? A local attorney thinks we can settle for $0.50 on the $1 and spread out the payments for possibly 20 years (best case scenario). That would be great, but I don’t know if I will be able to hire them (do not have the fees). Could I get a settlement like that by myself or is a deal like that usually only available when you use an attorney (maybe they fear the attorney or maybe the attorney has settlement prowess that I don’t)? Should I try and call and see if I can get a settlement offer or would that be detrimental for my situation? Any help would be beneficial and thanks again.

Hi, I think I have a couple legitimate claims on 2 lates for my FedLoan Servicing Student Loan. LEGIT CLAIM #1: submitted a deferment request in May 2013, which was denied repeatedly for no good reason. I faxed the paperwork over at least 4 or 5 times, yet they claimed they never had the full documentation. Also, for some inexplicable reason, despite requesting temporary forbearance during the time my deferment claim was pending, it wasn't processed correctly, unbeknownst to me. Therefore I unknowingly accrued lates during this time. After finally speaking to a competent manager, I was immediately approved for forbearance on July 10th, 2013 and backdated to May 8, 2013. I have read that others have had success getting late payments removed when there is a backdated forbearance granted,especially if it the lenders fault. I was on the phone with a Fedloan Rep for over an hour today, and she mentioned there were a lot of notes in my account during those two months regarding my requests, but none of those made it clear if was their fault, so I will hope for the GW for these lates, due to the backdated forbearance, but I have some other questions/back-up plans as well. LEGIT CLAIM #2 (See Attachment): Can someone explain to me how my all the CR bureaus are reporting OK for April 2013, then immediately 60 then 90 day lates for May and June, respectively????? This makes NO sense to me. There are only 2 months where I was supposedly defaulting, how can a 90 day late come from that? Or how can they skip the 30 day late completely? What about a grace period? Also, if the GW doesn't go through, and I can't get at least the 90 removed due to the timing discrepancy, is there any chance for negotiating a PFD? I've heard of this with credit card companies, but will Federal SL Lenders do it too? Thank you to anyone who takes time out of their day to help. It would be greatly appreciated!

I am a Canadian citizen, but I lived in the United States for many years as a permanent resident. In 2001 I was going to school and had a student loan. I did not graduate for reasons that don't matter. I continued to pay on my student loan. In 2011 I moved back to Canada and was able to put my student loan in forebarence a couple times. I then had some financial difficulties and my student loan has gone to collections (Pioneer Credit Recovery). This week they tracked my down at work. They also faxed a form to my employer to verify employment which was intercepted by my Administrative Assistant so I actually have the fax and then they called my cell phone today. I am really starting to panic because I don't know how far their reach is when the debt is in the United States and you live and are a citizen of Canada. It is not that I don't want to pay my debt, but I need to get a handle on my finances. With the exchange rate the payment can be very daunting. I appreciate any advice anyone can offer.

Last year I was sued in California by the esteemed firm Patenaude & Felix for a National Collegiate student loan, 39K or so. I hired a firm last year for attorney-assisted defense, and they prepared my answer and discovery, etc. That is all long done and now trial is coming up in 46 days on April 25th. To save some $ I would like to do the rest of this myself if I can, so what now? I know the rules for unlimited civil cases are different from limited (under 25K) cases, so I want to make sure I'm proceeding correctly, or if I can even do this on my own. It seems P&F is all bark and no bite when it comes to trial and I am determined at the very least to stand my ground until the last minute! Thanks in advance.

1. Who is the named plaintiff in the suit? SLM Education Credit (special subsidiary without executives that Sallie Mae uses as a Plaintiff) 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Blatt, Hasenmiller, Leibsker & Moore (BHLM) in Phoenix 3. How much are you being sued for? $8K 4. Who is the original creditor? Sallie Mae 5. How do you know you are being sued? (You were served, right?) Found this the next day after they filed this Complaint - on the Justice Courts Website Was served 9 days later. 6. How were you served? (Mail, In person, Notice on door) In Person 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you were being sued? They sent their dunning letters twice (August 2012 and February 2013) Both times responded them with DV Request. The second time they sent me the copies of original papers with my signatures. 9. What state and county do you live in? Arizona, Maricopa 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) October 2007, Charged Off in June 2008. The same month they accelerated the Whole Balance Due option ( using Zwicker and Assoc and Arrow Financial Services, Arrow is SLM's collection subsidiary). I lost all their dunning letters of 2008-2010. 11. What is the SOL on the debt? ARS 47-2725 - 4 years Statute of Limitations in Contracts for Sale, thanks to FTC Holder Rule Provision in this Contract (see below). Update 02/04/2015: It was not ARS 47-2725 - it was ARS 12-544(3) - Four Year "...upon an instrument in writing executed without the state." 12. What is the status of your case? Filed MTD for the Failure to State Valid Claim and as Time Barred under ARS 12-544(3) (the contract was signed in Florida). The MTD was denied. Today (10/02/13) filed my Answer and Counterclaim =================================================================================== Update - 01/28/2015: I won my Appeal in Maricopa Superior Court - the Trial Judge erred ignoring my AZ SOL 4 years ARS 12-544(3) defense "upon an instrument in writing executed without the state." ========================================================================== Update - 02/06/2015: Received in mail the official Justice Court Order (02/02/2015) on three pages: 1) Vacating its previous Judgment for SLM (04/04/2014) and awarding me $140.00 in Court Costs (JC only) and releasing my Appeal Cost Bond $250.00 (by Chase Bank); 2) Quashing SLM's Writ of Garnishment and requiring Garnishee (my former Employee) and SLM return me any garnished money (total $757.45 was not specified there); 3) Superior Court Appeal Filing Fee $304.00 is not addressed there.

I defaulted on a student loan held by Texas Guaranty. Their website offers a rehabilitation program to improve my credit. However, I see from my credit report that the loan was sold to the Regional Adjustment Bureau about nine months ago. Will paying down the loan now that it is with RAB improve my credit score, or do I simply need to wait 7 years for this to fall off my report?

So I defaulted on a student loan years ago. It's listed on my CR about a few times, as AES/NCT, CItizen's Bank, etc. I settled with agency (Richard Boudreau) for half the amount as they agreed to post it as Paid in Full and I really wanted to get this in my rear-view. They sent me a letter saying that they would report it to the owner so I sent the cashier's check certified mail. However, this was over a month ago and I have yet to see a change in my CR. I also have not received the paid letter from the collector as I was promised. Any advice as to what I should do? I am really ignorant to all of this stuff. Also, any idea how to get the multiple negative tradelines removed? I removed the account numbers but they were the same on each listing. It looks like I have a handful of negatives on there. They're listed like this: Closed Accounts AES/NCT Account Type: Installment Account Number: (OMITTED) Payment Responsibility: Individual Date Opened: 11/2004 Balance Date: 11/2006 Balance Amount: $0 Monthly Payment: High/Limit: $9,392 Account Status: Late Over 120 Days Past Due Amount: $0 Comments: TRANSFERRED TO RECOVERY LAST REPORTED DELINQUENCIES: 10/2006=I5,09/2006=I5,08/2006=I5 _______________________________________________________________________________________ CHARTER ONE BANK, FSB Account Type: Installment Account Number: (OMITTED) Payment Responsibility: Undesignated Date Opened: 08/2007 Balance Date: 03/2009 Balance Amount: Monthly Payment: $0 High/Limit: Account Status: Collection Past Due Amount: $0 Comments: COLLECTION ACCOUNT CONTACT MEMBER FOR STATUS STUDENT LOAN ____________________________________________________________________________________________ NATIONAL COLLEGIATE TRUST Account Type: Installment Installment Installment Account Number: (OMITTED) (OMITTED) (OMITTED) Payment Responsibility: Individual Individual Individual Date Opened: 07/2007 07/2007 07/2007 Balance Date: 12/2008 12/2008 12/2008 Balance Amount: $0 $0 Monthly Payment: High/Limit: $10,711 $10,711 $10,711 Account Status: Collection Late Over 120 Days Late Over 120 Days Past Due Amount: $0 $0 $0 Comments: LAST REPORTED DELINQUENCIES: 11/2008=I5,10/2008=I5,09/2008=I5 TRANSFERRED TO RECOVERY CLAIM FILED WITH GOVERNMENT TRANSFERRED TO RECOVERY LAST REPORTED DELINQUENCIES: 11/2008=I5,10/2008=I5,09/2008=I5 ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE CLAIM FILED BY WITH GOVERNMENT FOR INSURED PORTION OF BALANCE ON LOAN LAST REPORTED DELINQUENCIES: 12/2008=I ,11/2008=I TRANSFERRED TO RECOVERY LAST PAID: 12/2008 Also, which is the date that it will be deleted 7 years after? Date opened or balance date? This loan is from somewhere around 2005-06

I didn't make a payment on a Perkins loan from 2004. I knew about the loan shortly after leaving school and ignored it. After moving numerous times in the last 7 years, I forgot about it. I recently applied to go back to school and discovered that it is now in default with a CA and I cannot obtain more financial aid until it is consolidated, rehabbed or paid off. Original balance was $500, now something like $1,100. The loan was from the term 9/04, adding in 6 month grace period and 270 days of no payment, plus 7 years (on credit report), I have calculated it to come off my credit report this last month 12/12. Problem is, the first date of delinquency is listed as 2/09 on CR. I will be requesting DV later this week with CA, because so far my attempts to find out the total balance from OC and CA have been fruitless. I want to go back to school ASAP so I'm wondering what would be my quickest way to settle this. I was thinking of disputing the first date of delinquency with the CRA's. Since rehabbing the loan would require 10 payments over 9 months, I would rather not wait this long. 1. Since it is a student loan, will the listing for the OC and CA come off my CR after 7 years if I successfully dispute with the CRA's? 2. After getting these items deleted from my CR, if I make a payment in full, will the negative listings go back on my report for 7 more years? If it would, is there anything else I could do that I'm not thinking of? I'm not against suing if it would help.

https://www.salliemae.com/assets/about/investors/debtasset/SLM-Loan-Trusts/Prospectus/SLM2013-4_PreliminaryProspectus_as-printed.pdf Prospectus Supplement to Base Prospectus dated August 5, 2013 $746,600,00 SLM Student Loan Trust 2013-4 Issuing Entity: SLM Funding LLC Depositor: Sallie Mae, Inc. Sponsor, Servicer and Administrator: Student Loan-Backed Notes Career Training Loans. Sallie Mae Bank funds Career Training Loans. Career Training Loans provide eligible borrowers financing at technical and trade schools, tutorial and learning centers, and private kindergarten through secondary education schools. They are NOT guaranteed by any federal guarantor, or by any governmental agency or by any private guarantor.

So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting to help me with this and getting a plan together in 2008. They say one payment was made 4/2008. This is not listed in the NSLDS database. My other current loans, which I pay, are. How do I find out for sure if this is federally guaranteed or not? If the last payment was made 4/2008 and it was not federally guaranteed then the SOL would be up in May of 2014, right?

So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting to help me with this and getting a plan together in 2008. They say one payment was made 4/2008. This is not listed in the NSLDS database. I believe they said it was a ALPLN. My other current loans, which I pay, are listed on NSLDS but this isn't. How do I find out for sure if this is federally guaranteed or not? If the last payment was made 4/2008 and it was not federally guaranteed then the SOL would be up in May of 2014, right?

Wondering if anyone has heard of anything like this? My student loans are current, all paid "MORE than the minimum on time if not early every month. About 1.5 to 2 months ago they were transferred to PHEAA. I have made a payment with them and it's all paid as agree. My old account through (myedaccount.org) says the balance was transferred. Today I see that I got a letter yesterday from NCO FInancial collecting on a defaulted loan and the creditor is National Collegiate Trust. The balance is very similar to what I owe on my student loans. What is going on here? Who do I call tomorrow to deal with this? Thanks.

I've been going through this saga of trying to clean up my credit report and many thanks for the responses I have gotten. So there are a few tradelines on my credit reports regarding one student loan that I had defaulted on. Going back through my school records, I took it out in the period ending June of 2005. If I never paid that one (just took care of it a few months ago because I know they can sue for that forever) would it most likely be past the 7 year reporting period at this point? It is reported a few times under AES/NCT, National Collegiate Trust, and Citizen's Bank. They all list different dates, 2007, 2008, etc. However, from what I have read, if I originally defaulted on it in or around the middle of 2005 wouldn't ALL of the tradelines related to it be invalid at this time? Thank you for clarification on this.

New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. This is with AES/NCT, things like that. How do I go about getting the other listings removed? Do having those listed affect my credit score? Just wondering because if I paid to have this settled (had to, since it was a student loan) should I still be getting dinged for the same thing by multiple other negative listings? Also, I had three other small debts in collections. I sent them letters offering payment for deletion from the 3 CR agencies (used form letters I found online - not accepting it's my debt, but offering payment if I got written agreement, etc.). I got a call from one of them today that they wouldn't PFD or even put paid in full but would take a smaller payment and put settled in full. I even offered to pay the full amount for deletion but they won't accept that. It seems they would rather take less money and give me a settled in full than full payment for a PFD. I asked for a number to the original creditor (Best Fitness). She said she'd give it to me, but I'd just be routed back to her since they were the collection agency in charge of Best's debt. I found it odd that they'd settle for less than full but wouldn't PFD if I gave the whole amount. Any suggestions here? I told her I'd have to consider my options and call back next week. Side note - this was regarding a contract I thought I had terminated but apparently had not completed the termination. Finally, does speaking about these debts restart any clock or anything, or will they still fall off 7 years after original delinquency? Thanks again for any input. Additional info - Any way I can write to the CRs to get the other related listings deleted? Is there some sort of form letter I could use? Should this be a dispute? Unsure of how that would work. Thanks again for your input. The three small ones - Best Fitness now with NH/NE $800 - Last August of '09. She seemed to be willing to take $500 for settlement but not the $800 for PFD Asset Acceptance - $239. Debt originally from an Express credit card. Something like 4 years ago. EOS/CCA - $135. Originally from AT&T. About 5 years old. They're definitely all valid debts. I'd like to get them off and not wait the seven years. I've managed to save up about a thousand bucks so I have the cash on hand to pay them all off. How do I fight Best Fitness? What do you think I should do to get them to pay for delete? I think it's insane, why would they take less? They were very adamant about how they would not PFD. Said that if I called Best they'd just route me back to her. I really have no idea what to do with these. I don't want to ask any friends for advice, it's pretty embarrassing and a lawyer seems pointless for the amount I have outstanding.

New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. This is with AES/NCT, things like that. How do I go about getting the other listings removed? Do having those listed affect my credit score? Just wondering because if I paid to have this settled (had to, since it was a student loan) should I still be getting dinged for the same thing by multiple other negative listings? Also, I had three other small debts in collections. I sent them letters offering payment for deletion from the 3 CR agencies (used form letters I found online - not accepting it's my debt, but offering payment if I got written agreement, etc.). I got a call from one of them today that they wouldn't PFD or even put paid in full but would take a smaller payment and put settled in full. I even offered to pay the full amount for deletion but they won't accept that. It seems they would rather take less money and give me a settled in full than full payment for a PFD. I asked for a number to the original creditor (Best Fitness). She said she'd give it to me, but I'd just be routed back to her since they were the collection agency in charge of Best's debt. I found it odd that they'd settle for less than full but wouldn't PFD if I gave the whole amount. Any suggestions here? I told her I'd have to consider my options and call back next week. Side note - this was regarding a contract I thought I had terminated but apparently had not completed the termination. Finally, does speaking about these debts restart any clock or anything, or will they still fall off 7 years after original delinquency? Thanks again for any input.