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I have 3 collection accounts on my reports. The 1st is phone company for $173.00. it is scheduled to come off my report this december of 2010.
the 2nd is a cable bill for $94.00. This is scheduled to fall off my report in April 2011.
The 3rd is an apartment complex for $800. this is supposed to fall off in August of 2011.
My question is, if I send them a pay for delete with negotiated prices, will this start the collection process all over again, or re-activate the SOL.
I would like to negotiate a payment and have them deleted, but I don't know if I am better off just waiting for them to come off by themselves.
Can someone give me some advise??? Thanks in advance!
It should not re- age or reactivate anything as long as you keep saying that you are not admitting anything. your offer is to settle that's all. My big question is what order. If you start with the highest and farthest out, then the next two won't be that expensive.