Stubborn Collectors

[kblasi]

I just read the thread about Capital One being impossible to work with and thought it would be nice to have a list of collectors that are tough, or even impossible to work with.

The concensus was that Capital One will not delete a chargeoff. I just started the process of investigating a Cap1 account. Now, I know to stop right in my tracks before I waste any more time and money.

Are there other companies that will refuse to bend without exception?

[jasen]

Collectors or creditors?

It would probably be easier (and much shorter) to compile a list of collectors that are easy to work with, if any exist.

[Robert Nashville/Savannah]

I think your list, although well intentioned, is immaterial.

Whether a creditor, collector, JDB, etc is "easy" or not "easy" to work with doesn't change the available tools and process a consumer has to work with. Besides that, what do you mean by "easy"???

If by "easy" you mean they'll simply fold and go away with a DV or will always do a PFD than I would say your definition is based on the wrong atributes.

In any case, how a particular entity responds to the consumer will certainly impact the consumer's next step but each step in the process has to be taken that best fits each particular situation.

[kblasi]

I'm relatively new at this and you guys have sufficiently called me out. It's hard to define what "easy" would be. I was just trying to get an idea of what collectors and creditors would not budge at all or would fight you tooth and nail up to a lawsuit.

However, my own success just made this thread irrelevant. I got mail from Transunion today. Capital One charge off deleted after only a letter to CRA asking for investigation!