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Certified Recovery Systems, Pay for delete denied


Jason
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this one worked 4 me..

Dear Collection Manager:

It has come to my attention through the credit bureaus that you claim I owe a debt to your agency. I can save us both some effort & time by "Settling the debt out".

Below is my offer. It is not a renewed promise to pay nor does it constitute any agreement unless you sign and return it. Note, I have not agreed yet that this debt is mine and have the option to seek further proof from your agency of this debt.

Suffice to say, you hold all the rights to report the debt to the credit bureaus as you see fit and you can change that listing at any time as the source reporting the debt.

I am sure you are aware of my right to dispute this debt and request full proof of the obligation. Paying this unverified debt to you means little to me if we cannot mutually agree that you will report the debt as mentioned below.

While I realize that your purpose is to collect debts as a collection agent, I am also aware of what a paid collection would represent for me, which is not favorable. That being said, I have concurred through the bureaus that you have the absolute right to report this debt as you see fit or not report it at all.

My goal is to arrange a term acceptable to both us since this debt is questionable.

I will pay your company the amount of $XXX as payment in full for the full satisfaction of this account. Upon receipt of the above payment, your company has agreed to remove the entire entry on my credit reports..

If you concur with these terms please acknowledge with your signature and title and return it to me. You agree the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation.

Upon receipt of this signed acknowledgment, I will mail you funds priority mail with-in 10 business days. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void.

Merkurfan:

Signature of company officer:

Date:

Sincerely,

:)++merkurfan you are fantasic!!!!!!!!!!!!!!!!!xdancex xdancex xdancex

Thank you! By the way Minnesota is so beautiful. I think it is one of the nicest places in the USA. I lived on Lake Minnetonka when I was little. Maybe you have heard of it. I went back last year and the lake looks exactly the same but the town I lived in has so many building and stores now. I love it still to this day. All the people are helpful,and very kind.

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  • 2 weeks later...
How is this going? They get back to you yet?

No not yet still waiting. The e-mail was replied to but they denied me again for the Pay for Delete. I should hear something soon. I hope your creditcleaning is going GREAT for you! I will keep in touch. Thanks for the reply!:)

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Thay are a bunch of pricks. I too am still dealing with them through the AG's office and FTC.

Hi there! Hope your having a good weekend! These guys only replied to the email. And the answer was no pay for delete. I will wait until they answer the second pay for delete letter. They take for ever.

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Went through this on a medical collection. I told them it would be a PFD, and that it was not negotiable, period. If they wanted it paid, it would be deleted, end of discussion. When the "office manager" tried to feed me a line of B.S. of how they had to report, I started to quote FCRA and he backpedaled rather quickly. He then tried to get me to agree to his verbal assurance that it would be deleted, and that they would accept a check by phone or credit card. I let him know I was overseas at the moment, and I would be in his office in a couple of weeks; have the agreement in writing when I get there or he wouldn't see a dime. The letter has already been sent to my home address.

Update on this, its funny that they say they don't normally do pay for deletes, but when I get the letter agreeing to a pay for delete, its a standard form letter where they just check the appropriate boxes showing that the listing will be deleted from my credit reports.

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Update on this, its funny that they say they don't normally do pay for deletes, but when I get the letter agreeing to a pay for delete, its a standard form letter where they just check the appropriate boxes showing that the listing will be deleted from my credit reports.

Did they have that form already? Or did you make the form up yourself? How many times did you ask for a Pay For Delete?

Great job!

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They already had a form letter for it. They said it would be deleted by the 13th of November and it was. I had spoken to them about a half a dozen times about how it would be a PFD or not be paid.

I'm still working on a PFD with United Recovery Systems on one of the DW's items. I had some dingleberry on the phone with URS, I told him that the only way I would settle would be for the original amount of the credit limit, which was half of what they were asking for. I actually got him so mad he started yelling at me. I just kept on laughing and told him he sounded really cute when he was angry. I told him since he was being so unreasonable I was just going to send a letter, and he told me it would be a waste of ink. In the letter I repeated what I was willing to settle for, and it would be either a PFD or listed as Paid as agreed, closed. I said in the letter that they needed to come off of their high horse and stop acting like they were the defenders of the credit industry, and I really didn't care if they thought I deserved it to be listed that way or deleted altogether, I really didn't care what they thought. If they wanted it settled it would be on my terms, period.

The letters they had sent me before used wording to make them sound as if they were a law firm, and I told them I had researched their company and knew they were just a JDB. Since I also stated that all communication would be via US Mail, they haven't called again. It really gets these people pi$$ed when you knowyour rights and they realize you aren't intimidated by their methods.

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  • 3 weeks later...

Hello Jason, how is it going? I am at the AG level with the guys and they seem to be helping me. I sent them all my copies on DV refusals, cra verification, NYC pay day loan law and violations. The assigned an investigator. So, stay tuned.

What's your status?

________

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Edited by ABaldbrotha
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  • 1 month later...
Hello Jason, how is it going? I am at the AG level with the guys and they seem to be helping me. I sent them all my copies on DV refusals, cra verification, NYC pay day loan law and violations. The assigned an investigator. So, stay tuned.

What's your status?

Hey there! I am glad this is working for you. I will get on it tomorrow. I will keep you updated also.

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Jason, did you ever get these fools off your back? They finally got off my reports after I filed complaints with the Texas AG and FTC.

Please update and good luck.

I didn't. I just saw your message above. This is great news!!!!!!!!!!!!!

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Hello Jason, how is it going? I am at the AG level with the guys and they seem to be helping me. I sent them all my copies on DV refusals, cra verification, NYC pay day loan law and violations. The assigned an investigator. So, stay tuned.

What's your status?

Quick question what DV refusal copies did you send them? What state did you use the attorney general in? THANKS A MILLION!!!!!!!!!

PS I found this on the Colorado Secratary of State. Basically and if I am wrong correct me..... it states Certified Recovery Systems is licensed in my state.Right?

ID Number: 20001020257

Name: CERTIFIED RECOVERY SYSTEMS, LLP

--------------------------------------------------------------------------------

Registered Agent: Irvin A. Borenstein

Registered Agent Street Address: 3025 South Parker Road, Suite #711, Aurora, CO 80014, United States

Registered Agent Mailing Address:

--------------------------------------------------------------------------------

Principal Office Street Address: 6161 Savoy, Suite #600, Houston, TX 77036, United States

Principal Office Mailing Address:

--------------------------------------------------------------------------------

Status: Good Standing

Form: Foreign Limited Liability Partnership

Jurisdiction: Texas

Formation Date: 01/31/2000

Term of Duration: Perpetual

Annual Report Month: January

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I dv'd them 2 times and they never responded. I used copies of those letters to make my case with the AG, FTC, etc. I called those letters DV refusals.

I live in NYC, so there are a few laws on my side here when it comes to CA's and payday loans.

Look to see if they have a license to collect debts or payday loans in your state, and if not, use that in your complaints against them.

Good luck!

________

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Edited by ABaldbrotha
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I dv'd them 2 times and they never responded. I used copies of those letters to make my case with the AG, FTC, etc. I called those letters DV refusals.

I live in NYC, so there are a few laws on my side here when it comes to CA's and payday loans.

Look to see if they have a license to collect debts or payday loans in your state, and if not, use that in your complaints against them.

Good luck!

How do I check to see if they have a license to "collect" . I was looking on the SOS. Great to hear all this! Thank you! And thank you also Brokeinok!

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How do I check to see if they have a license to "collect" . I was looking on the SOS. (Secratary of State Colorado)

Maybe show me an example of your states. I am looking every where and can not find out how to look. If I do. I will tell you though.

Thanks for the hope here!

Yep this is all I am finding.

ID Number: 20001020257

Name: CERTIFIED RECOVERY SYSTEMS, LLP

--------------------------------------------------------------------------------

Registered Agent: Irvin A. Borenstein

Registered Agent Street Address: 3025 South Parker Road, Suite #711, Aurora, CO 80014, United States

Registered Agent Mailing Address:

--------------------------------------------------------------------------------

Principal Office Street Address: 6161 Savoy, Suite #600, Houston, TX 77036, United States

Principal Office Mailing Address:

--------------------------------------------------------------------------------

Status: Good Standing

Form: Foreign Limited Liability Partnership

Jurisdiction: Texas

Formation Date: 01/31/2000

Term of Duration: Perpetual

Annual Report Month: January

Business Licensing Database

COLLECTION AGENCY http://www.state.co.us/oed/industry-license/IndDetail.cfm?id=98

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I was looking and can't find the reference but I think you need to first find out if there's a state requirement for license and/or bonding. For example my state does not require either so all they have to be is licensed for business. Don't know bout CO though. If I find the reference I'll post it. Maybe someone has it. I looked under, legal issues, state laws in the forum for your state but didn't find it.

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  • 2 months later...

Last Updated:

4/15/2008

Business/Trade Name

CERTIFIED RECOVERY SYSTEMS INC DBA CRSI

Address 10190 OLD KATY RD UNIT 440HOUSTON, TX 77043

License Number 101621

Original License Date 08/27/1997

Status E E = license has expired due to failure to renew or maintain a surety bond/cash assignment

Cancel/Revoke Date 08/1/2000

Business/Trade NameCERTIFIED RECOVERY SYSTEMS LLP

Address 6161 SAVOY STE 600 HOUSTON, TX 77036

License Number 987789

Original License Date 03/26/2001

Status C C = license has been cancelled

Cancel/Revoke Date 1/16/2007

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Hello Jason, how is it going? I am at the AG level with the guys and they seem to be helping me. I sent them all my copies on DV refusals, cra verification, NYC pay day loan law and violations. The assigned an investigator. So, stay tuned.

What's your status?

ABaldbrotha,

Do you remember what pay day loan law violations you got them on? I know your state is different than mine, but I still am curious.

And also did they send you ANY documentation at all? If so what did they send?

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