Hopeful1 Posted March 1, 2012 Report Share Posted March 1, 2012 Am I correct in thinking that the worst that could happen with a pfd is that they could say no? Link to comment Share on other sites More sharing options...
willingtocope Posted March 1, 2012 Report Share Posted March 1, 2012 Unless the debt is already beyond the SOL, in which case your offer to pay may restart it. Link to comment Share on other sites More sharing options...
BV80 Posted March 1, 2012 Report Share Posted March 1, 2012 Following up on what willingtocope stated, check your state laws to see what would restart the SOL. In my state, only a payment would restart. Make sure an offer or the promise to pay won't restart the SOL in your state. Link to comment Share on other sites More sharing options...
1stStep Posted March 1, 2012 Report Share Posted March 1, 2012 And if you have any doubts, you may want to let an attorney negotiate it for you. Link to comment Share on other sites More sharing options...
Hopeful1 Posted March 2, 2012 Author Report Share Posted March 2, 2012 Brief scenario:I have a utility debt from Maryland that has been sold to a CA. Dofd is 10/2008. I think it would be out of SoL as of 10/2011. I am reading on another website that in Maryland that the 3 year statute begins again if creditors can document that the debtor has "reaffirmed" a debt on a good faith basis by written agreement, orally or by payment. (I am not sure of the accuracy of the info on other said website and I can't find what restarts the SoL in the statute listed for Maryland.) Since this debt is out of SoL then I would be opening myself up to restarting the SoL with a pfd offer, right? I really doubt the CA would want to try and sue since it's a small sum but would like to understand before I open up something. Link to comment Share on other sites More sharing options...
1stStep Posted March 2, 2012 Report Share Posted March 2, 2012 What's the dollar amount? Link to comment Share on other sites More sharing options...
Hopeful1 Posted March 2, 2012 Author Report Share Posted March 2, 2012 It's around $250. Link to comment Share on other sites More sharing options...
1stStep Posted March 2, 2012 Report Share Posted March 2, 2012 If you can pay it in full, then the SOL does not come into play... Link to comment Share on other sites More sharing options...
Coltfan1972 Posted March 2, 2012 Report Share Posted March 2, 2012 Just start any letter with, while I admit no liability and the alleged debt is in dispute, in an effort to resolve this matter, XXXXXXXXXXXXXXXXX Link to comment Share on other sites More sharing options...
Hopeful1 Posted March 2, 2012 Author Report Share Posted March 2, 2012 I was hoping to negotiate to free up more cash for other debts but could pay it in full. Thanks again for the help! Link to comment Share on other sites More sharing options...
crash5050 Posted March 2, 2012 Report Share Posted March 2, 2012 I have yet to get a pay for delete to work. I once was accused of trying to bribe this lady.... But I hit them with a set of military orders saying I was out of state, the caved without me having to pay a dime.. Link to comment Share on other sites More sharing options...
Hopeful1 Posted March 3, 2012 Author Report Share Posted March 3, 2012 Wow how ridiculous about the bribe accusation. Did you try this by phone or mail? Link to comment Share on other sites More sharing options...
crash5050 Posted March 5, 2012 Report Share Posted March 5, 2012 phone, in the end, they removed it anyways and lost the extra 50 bucks Link to comment Share on other sites More sharing options...
Hopeful1 Posted March 5, 2012 Author Report Share Posted March 5, 2012 that's what I figured What did you call the $50 "fee" so they'd take it? Link to comment Share on other sites More sharing options...
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