Anonymous Posted February 2, 2003 Report Share Posted February 2, 2003 I have alot of medical bills with alot of different ca's. I'm wanting to pay off some of them..or atleast make a dent in them. I was wondering when I write a settlement offer what should it say? Also, Should I send it certified mail and do I just sit and wait for them to respond or what? Link to comment Share on other sites More sharing options...
IrishEyes Posted February 3, 2003 Report Share Posted February 3, 2003 I think you may be jumping ahead a little- did you validate your debt with them yet? First make them prove it is yours before you go throwing the baby out with the bath water! Don't seem to eager to settle or they will not be very flexible- play very hard to get and string them out.First, VALIDATE that debt!I am pretty new at this so I am sure others can pitch in and if I am wrong, please post! Link to comment Share on other sites More sharing options...
smogtek Posted February 3, 2003 Report Share Posted February 3, 2003 The best first step is to send a request for validation to the CA via CMRRR.Wait for the green card to come back to you showing that the CA has received your request for validation.Then dispute the item with the CRA by phone. If the CA verifies it to the CRA without providing you with the validation you requested, you've got them on their first violation!Once you're there, you may have a littel more leverage to get the CA to delete rather than pay the $1,000 fine.HTH [Edit by smogtek on Sunday, February 2, 2003 @ 07:14 PM] Link to comment Share on other sites More sharing options...
calawyer Posted February 3, 2003 Report Share Posted February 3, 2003 Always aim high or you will wind up betting against yourself. In addition, insist upon no negative reporting to CRAs. Link to comment Share on other sites More sharing options...
IronMan Posted February 4, 2003 Report Share Posted February 4, 2003 Exactly. In most states, CA's are limited in what they can do legally. If they have a judgment, then they can do things to enforce it (garnishment, levies), but they can't renew it -- again, in most states.Validation is always the first step.If you know they purchased the debt, you could settle with them on the contigency that they remove the item and guarantee that they will not resell it or reinsert it. You want to make sure it disappears for good. This is all done in writing, signed and acknowledged by both parties before any money is sent. If they screw you, now or in future, you've got a good contract law case.Good Luck! Link to comment Share on other sites More sharing options...
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