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Re: QUESTION


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Posted by LadynRed (199.91.33.254) on January 16, 2003 at 13:43:25:

In Reply to: Re: QUESTION posted by life on January 16, 2003 at 13:32:53:

Unfortunately, you have to keep writing letters and using certified mails to keep the paper trail. If you end up in court it helps to have all the 'evidence' that you were making an effort.

I DO believe they're in violation of Section 810 of the FDCPA and should be applying your payments as you directed..not how they please.

As for settlement, depending on the age of the debts, you start LOW.. offer them 10-15% of the total. They blow you off, but give yourself some negotiating room. Make deletion or a positive trade line an abosolute condition to them getting a penny and get EVERYTHING in writing and signed. Its a pain in the butt, but you have to stick to your guns and not let them bully you.




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