DebtSettlementJourney Posted September 23, 2019 Report Share Posted September 23, 2019 Ideally I'm looking to settle, but in order to get the settlement in a ballpark that I feel comfortable the agency said I must provide 2 years of tax returns, 2 pay stubs, and a hardship letter. I've settled other accounts and never dealt with this. This collection agency is a "law firm" and was outsourced by the original creditor (who still owns the debt). I feel very skeptical about giving them this information as they could use that against me in court (if we ultimately don't settle). Granted I can elect JAMS, but I don't think this info is relevant to them. What would you recommend? At this point I'm thinking of just waiting it out with my current offer (25-30%) and see if they end up biting without the additional information. If they decide to sue, then elect arb. But should I take the chance of a settlement by sending them those docs? Quote Link to comment Share on other sites More sharing options...
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