Jeremy800 Posted March 17, 2011 Report Share Posted March 17, 2011 The wife has a medical collection. We have been payng on it for the last year. Its around 3600.00 (600.00 is interest). They have called us and asked several times for us to pay it off. We have been making are payements religiously, (100.00) a month. We just got our taxes and would like to make an offer. Ive tried talking to them on the phone and the best they will do is knock the interest off. Does anyone have another idea. The collection company says they can not except any less because the are contracted with the hospital to collect that amount. Does this make since? Since we have been paying on it, weve admitted that it is our bill? I was thinking of putting an offer in writting. Thanks for reading my rambling. Link to comment Share on other sites More sharing options...
getting_ahead2 Posted March 17, 2011 Report Share Posted March 17, 2011 Is the debt being reported on your credit report by the CA or the Hospital?Find out who really owns this debt, call and get the address always WRITE THEM and keep good records because the person on the other end of the phone is probably NOT telling the truth. But I would try to do a PFD letter- what % are you considering to start off with?I would indeed put in the letter that you have bee making regular payments without keeping a beat which in itself shows you are trying to take care of the debt, or something like that. (this is just my opinion!)Do a PFD, sent it by certified mail and see what happens. Link to comment Share on other sites More sharing options...
workingpoor Posted March 17, 2011 Report Share Posted March 17, 2011 The wife has a medical collection. We have been payng on it for the last year. Its around 3600.00 (600.00 is interest). They have called us and asked several times for us to pay it off. We have been making are payements religiously, (100.00) a month. We just got our taxes and would like to make an offer. Ive tried talking to them on the phone and the best they will do is knock the interest off. Does anyone have another idea. The collection company says they can not except any less because the are contracted with the hospital to collect that amount. Does this make since? Since we have been paying on it, weve admitted that it is our bill? I was thinking of putting an offer in writting. Thanks for reading my rambling.You have NOTHING to lose by making an offer except the cost of a stamp, well, the cost of a certified letter. Link to comment Share on other sites More sharing options...
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