Ash1978 Posted August 1, 2007 Report Share Posted August 1, 2007 I have two collections on my account that I need to get removed. I called the CA, and they said they couldn't give me any information on what I owed them for and that I had to call the OC to get that info. I called the OC, and she said that it hasn't been sent to collections yet, and that if I hurry up and pay it, that she wouldn't turn it over to collections. It shows on my credit report that she has turned it over to collections. Why would she tell me that it hadn't been turned over to collections when it shows on my credit report that it has?Who do I pay? The CA, or the OC? And of course I would only pay for a delete off my CR. Link to comment Share on other sites More sharing options...
swirlgirl Posted August 1, 2007 Report Share Posted August 1, 2007 Don't pay the CA anything. They either have to validate the debt or you don't have to pay them. I would contact the OC and see if they will pull it back from collections if you pay them in full. Also, see if the OC will either delete upon payment or at least mark it "Paid/Never late." Link to comment Share on other sites More sharing options...
Ash1978 Posted August 1, 2007 Author Report Share Posted August 1, 2007 Should I send the OC a letter or just call them on the pay for delete?Should I still ask for the CA to validatethe debt even if it's within the SOL? Link to comment Share on other sites More sharing options...
swirlgirl Posted August 1, 2007 Report Share Posted August 1, 2007 You can call the OC and negotiate payments terms but you will want to get everything in writing before you send payment. Concerning CAs, my personal policy is if I see a CA on my CR, then I send a DV.The SOL only comes into play if it is indeed past the SOL. Plus, sending DVs helps to establish whether a CA can validate a debt. If they can't validate, they can't collect and they cannot report. Link to comment Share on other sites More sharing options...
Ash1978 Posted August 1, 2007 Author Report Share Posted August 1, 2007 I will call the OC tomorrow, and ask about the pay for delete. I'm nervous about it and don't know why..I will also send the CA a DV. Thanks for your help! Link to comment Share on other sites More sharing options...
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