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Northland Group offered Settlement - pls advise


IngridA
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JC Penney charge off of $311.54, was sent to a CA (forget the name), now was apparently transferred to LVNV Funding, LLC, and now I receive a letter from Northland Group, offering a settlement of $190.04....

We are getting a $4k tax refund hopefully by the middle of February, so I would like to take care of this....but I would like to try and negotiate a PFD...

Would I still need to DV? What purpose would that serve? Would it invalidate their settlement offer?

TIA!

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Who's reporting it, LVNV or Northland? If JCP CO'd it, no one can erase that but JCP. If Northland is reporting, offer them an extra $50 to delete.

I haven't checked, actually....I think JCPenney is reporting it as a charge off, but not sure if Northland is reporting it as a collection...I just didn't want to get dinged 2x...if I can avoid having the collection show up...

My free annual report is coming up January 30, so I guess I'll wait and get that and see who's reporting it....

I like the idea about the extra $50 -- I hadn't thought about that! :)

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