Fortuna Posted August 13, 2006 Report Share Posted August 13, 2006 After disputing a collection, which would be better to have it removed from CRA? It is a small debt to the phone company with DLOA 2002 and currently with a CA.I could send a settlement letter (to CA or OC??) asking for it to be removed from CRA, but if they don't agree, and I proceed to DV, then they would have my letter as admission that I owe the debt.Of course it sounds logical to start out DV but I really don't want to make any more work for myself (i.e. subsequent steps up to ITS) than I have to if the settlement letter will work.Any thoughts? Link to comment Share on other sites More sharing options...
GreatGadsby Posted August 13, 2006 Report Share Posted August 13, 2006 personally, I would send a DV first. if they can't (or wont) provide proof that the debt is yours, you can offer a PFD without an admission of liability. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted August 13, 2006 Report Share Posted August 13, 2006 I think you attack it on both fronts. To keep the CA on its toes, you DV. But please give a reason, such as " Not mine" or " Paid before colection" or " unresolved billing error by carrier" Don't just send a letter saying " Proof this is mine"Then, write the CEO of the phone company directly. Give him your sob story, give the reason you gave the CA, then say " While I do not believe I owe your company anything, this item causes me much trouble. As a matter of goodwill, without admitting anything, I enclosoe a check for $XX in exchange for your promise to have the item removed from by CR by the CA ( or whomever is reporting.) " Be consistent. You could also try the 1-2 punch. Link to comment Share on other sites More sharing options...
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