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Re: Debt XS


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Posted by AlreadyPaidOnce (68.51.20.212) on July 18, 2004 at 01:09:31:

In Reply to: Debt XS posted by anon on July 17, 2004 at 18:08:14:

I did for myself what they can probably do for you. Just get your credit report and work on it yourself. If you can save some money do so and when you are ready call the people and offer a settlement. Alot of times they'll go for it if they know you have it in hand and they won't have to wait months (or even years.) But if you do settle with some make sure they send a letter confirming the settlement offer AND A LETTER ONCE YOU HAVE PAID THE LAST PAYMENT ON THE SETTLEMENT. I ALWAYS SENT A LETTER 2 WEEKS BEFORE I SENT THE LAST CHECK ADVISING THE PAYMENT WOULD BE SENT ON SUCH AND SUCH DATE IN THE FORM OF A CASHIERS CHECK. I ALSO SAID THE CASHIER'S CHECK WOULD STATE: "CASHING OF THIS CHECK CONSTITUTES PAYMENT IN FULL FOR ___ ACCT #). I SENT THE LAST CHECK CERTIFIED/RETURN RECEIPT AND KEPT COPIES OF THE LETTERS--CHECK--ENVELOPE W/CERTIFIED RETURN RECEIPT STICKER ON IT--STAMPED COPY OF MY CERTIFIED PAPER AND MY GREEN CARD. THEN I CALLED THE CREDIT UNION TO VERIFY IF THE CHECK WAS CASHED AND WHEN.

If another CA pops up I usually send copies of my letter from the 1st CA and advise the account is "settled" and to go away. They have done that so far.....I'm just hoping the Wolpoff & A don't contact me at all since they are SUPPOSED to be a law office. But I still have my settlement letter. ALWAYS GET THE LETTER. HOUND THEM UNTIL YOU GET ONE. IF YOU DON'T GET ONE CALL THE ATTORNEY GENERAL AND BETTER BUSINESS BUREAU.


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