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What do you think of my PFD??


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This collection account is maybe 8 months old. I know they can prove it. They are a local collector and the account is form a local company. However, I have 3 paid collections from this CA so I slipped in a little tidbit in bold...

Dear Sir or Madam,

I would like to take care of my alleged debt with your company honorably and request you consider an agreement to settle with the promise to delete all negative information reported to any and all credit bureaus. Please consider my settlement offer and correspond with your response as soon as possible. This is not an admission or denial of the debt.


Evil CA, referred to as CREDITOR and MERKURFAN, referred to for the purposes of this transaction as DEBTOR, agree to settle the alleged debt which the CREDITOR says is owed. DEBTOR is not admitting that the debt is his, but agrees to pay the amount in order to resolve the situation. CREDITOR, hereby agrees to compromise the alleged debt under the following terms and conditions:

The CREDITOR states that the alleged debt due is $228.33 (Two hundred twenty eight and 33/100 dollars) Account number 123456, old utility bill. The parties agree that the CREDITOR shall accept the sum of 228.33 (Two hundred twenty eight and 33/100 dollars) as full payment on the alleged debt. The acceptance of the payment will serve as a complete discharge of all monies due. The payment shall be made by money order payable to Evil CA.

In addition, upon accepting of the $228.33, the CREDITOR agrees to remove the information about this debt and any/all other paid accounts listed with CREDITOR from the DEBTOR's credit reports (all major credit bureaus, Equifax, Experian, TransUnion and any other bureau posted to). And agrees to never post any information pertaining to the above debts in the future.

As you know the law does not require you to post anything to a person’s credit report, only that the information you provide to the reporting companies is accurate.

This compromise is expressly conditioned upon the payment being received by June 01, 2007. If the DEBTOR fails to pay the compromised amount by June 01, 2007, this agreement shall be null and void.

This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns.

Dated: April 30, 2007

Debtor Signature:


Authorized Agent Name:

Authorized Agent Signature:

Please have the person authorized to accept this settlement print his/her name under Authorized Agent Name, sign the document and return to me at the address listed here: Merkurfan's mailing address. Thank you for your consideration in advance and I look forward to coming to an agreement with your company and settling this debt.

Best Regards,


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They call, and call and call.. (I never awnser) It's a local company, if the PFD does not work I might just knock on their door. They are 20 miles away :) It's very easy to be a butthead on the phone, try that with me standing at the door. I'll be sure to have tape rolling in my pocket just incase they say something good. So far, they have been by the book and have not let me catch them on any violations.

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Hell if you can go there, why not go and negotiate in the office? You could leave that day with the signed document and fax it to the CRA if it's a done deal. All in one day. I'm a confrontation kinda guy though. I like to put myself right in face of my adversary and argue till I get my way. It works at times. Got me an $800 custom made shower door installed, bought and paid for by Lowe's, all because the $300 door they sell had faulty installation instructions. Long story, but the in the face thing works sometimes.

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