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So today i received a letter in the mail for a loan i recently defaulted on, our credit repair was going great up until a change in employement threw us a major curve ball, we owe the debt, we know we do, it was a peer to peer loan type deal, is there any arrangements i can make without the negative going on my report? Where should i start? Or do i just send them DV letter? Im located in texas as was hoping to buy a house early next year

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You are in Texas so definitely send a DV but if you have any hope of buying a house in the next 12 months you are going to have to get that loan out of default if not paid off. IC Systems is a bottom feeding collection agency and they report before they dun so it is most likely already on your reports.

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