timmy28 Posted May 4, 2007 Report Share Posted May 4, 2007 For those who have had success with PFD:I am in the process of negotiating PFD with two utility companies. I am dealing with the OC. Both are small amounts, under $200. I haven't had any luck so far, just keep getting letters back saying the account will be reported as paid. Anyone have any good suggestions for getting these companies to agree to this? I"m getting frustrated, but I don't want to give up. I wrote up an agreement which I've sent a few times and I am thinking about sending it out once a week in hopes that I will eventually wear them out and they will just agree. Any thoughts on this? Link to comment Share on other sites More sharing options...
MadinKS Posted May 4, 2007 Report Share Posted May 4, 2007 That's probably all you can do unfortunately. Hold out as long as you can and bombard them w/letters. Or because it's the OC, just pay now, dispute it in about 3-6 months and see if you get a delete. Good luck. Link to comment Share on other sites More sharing options...
gypsie Posted May 4, 2007 Report Share Posted May 4, 2007 I'm assuming the debts are within the SOL.? and they are already with a CA?If so... then sure- go ahead and besiege them with letters- who knows maybe they will get tired of it and give in... Link to comment Share on other sites More sharing options...
timmy28 Posted May 4, 2007 Author Report Share Posted May 4, 2007 yes they are both within SOL and with CA. Link to comment Share on other sites More sharing options...
bigboyinc Posted May 4, 2007 Report Share Posted May 4, 2007 I've had two successful PFD's. how much of the debt are you saying you will give them? How does your letter look, it's important. Link to comment Share on other sites More sharing options...
divemedic Posted May 4, 2007 Report Share Posted May 4, 2007 Another thing you can try is agree to pay, with a non-disclosure agreement that reads that they will not reply to any communication from any party with regards to your account. This will prevent them from responding to your dispute with the CRA's. Delete. Yay. Link to comment Share on other sites More sharing options...
onthedot Posted May 4, 2007 Report Share Posted May 4, 2007 Another thing you can try is agree to pay, with a non-disclosure agreement that reads that they will not reply to any communication from any party with regards to your account. This will prevent them from responding to your dispute with the CRA's. Delete. Yay.Cool idea! Have you tried this DiveMedic? Does it work? I guess you'd have to sue them if they divulge info to the bureau. Could that be done in small claims court though? Link to comment Share on other sites More sharing options...
droolyn Posted May 4, 2007 Report Share Posted May 4, 2007 Thats sound like a good idea. How would the agreement be worded? Anything fancy or a simple letter work for that? Link to comment Share on other sites More sharing options...
timmy28 Posted May 4, 2007 Author Report Share Posted May 4, 2007 I have offered the full amount plus some. No luck with that. I have been dealing with the OC and the accounts are reported by the CA. Would I then have to have the CA sign the agreement for this to work since the CA is the one reporting? Anyone have a sample non-disclosure agreement letter? Link to comment Share on other sites More sharing options...
divemedic Posted May 4, 2007 Report Share Posted May 4, 2007 Did you DV before you offered to pay? Link to comment Share on other sites More sharing options...
timmy28 Posted May 5, 2007 Author Report Share Posted May 5, 2007 I did DV...so would I need to send the non-disclosure to the CA that is reporting? Link to comment Share on other sites More sharing options...
MadinKS Posted May 5, 2007 Report Share Posted May 5, 2007 This sounds like a case to use the FL statute regarding assignment of account to me. If you pay the OC and the CA never responded to DV, bust out the FL statute on their A$$. What do you think Dive? Could that work? FLORIDA:http://www.flsenate.gov/statutes/index.cfm?mode=View%20Statutes&SubMenu=1&App_mode= Display_Statute&Search_String=assignee&URL=CH0679/Sec4061.HTM1679.4061 Discharge of account debtor; notification of assignment; identification and proof of assignment; restrictions on assignment of accounts, chattel paper, payment intangibles, and promissory notes ineffective.--(1) Subject to subsections (2) through (9), an account debtor on an account, chattel paper, or a payment intangible may discharge its obligation by paying the assignor until, but not after, the account debtor receives a notification, authenticated by the assignor or the assignee, that the amount due or to become due has been assigned and that payment is to be made to the assignee. After receipt of the notification, the account debtor may discharge its obligation by paying the assignee and may not discharge the obligation by paying the assignor.(3) Subject to subsection (8), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. Unless the assignee complies, the account debtor may discharge its obligation by paying the assignor, even if the account debtor has received a notification under subsection (1). Link to comment Share on other sites More sharing options...
timmy28 Posted May 5, 2007 Author Report Share Posted May 5, 2007 Well, much to my surprise, today I received a letter of agreement to my request from one of the OCs that I have been negotiating with! Needless to say, I'm pretty excited. It's a small amount too, only $79, so I'm going to send out my payment immediately and watch for my delete! I hope I eventually have the same luck with the second OC. Link to comment Share on other sites More sharing options...
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