creditobsessed Posted December 14, 2004 Report Share Posted December 14, 2004 I sent a DV letter to a local CA. The CA supplied proper validation. (Signed contract, itemized listing etc.) So, I sent a settlement letter offering 20% of the debt in return for deletion from CR and an agreement that the account would be paid in full. I received a response back in the mail yesterday(I mailed the letter Thursday). The response was my letter to them with a rubber stamped note at the bottom that said settlement denied and had a signature & title. There was no other correspondance. This CA has not been bothering me or really trying to collect this debt at all. Should I offer another settlement or wait to hear from them again. The debt is $277.27 and is 2 years old. I'm not really concerened about them suing, but if they do I'll counter sue for the FDCPA violations I have on them. I really just want it off my report, but don't know what to do next.Thanks! Link to comment Share on other sites More sharing options...
willingtocope Posted December 14, 2004 Report Share Posted December 14, 2004 Unless you have a really pressing need to get this removed, I'd suggest patience. You'll hear from them again...and, if you have evidence of FDCPA violations, next time I'd respond with a "okay, I tried to play nice, but you refused, so now we should probably settle this in court" kind of letter. Link to comment Share on other sites More sharing options...
creditobsessed Posted December 14, 2004 Author Report Share Posted December 14, 2004 Thanks Willing! No, I don't have a pressing need just a desire to be rid of it. I was surprised it was verified or validated because I've only rec'd 1 or 2 letters from them in the past year and a half. But I'll just be patient. I have plenty of other stuff I can work on while I wait. Link to comment Share on other sites More sharing options...
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