Is there a sample letter that I can send to the collection agency showing the payment arrangements that I'm offering? I've seen the pay to delete sample letter but i'm not sure how to modify it to show that.
I want to tell them that I will make arrangements to pay $7 per their settlement. They said the settlement was good until 8/31 but the debt had been validated by them with my ex-husband and my name. What you recommend that I say in regards to the interest? I want to put in there that I will pay the loan remainder because my ex is MIA but nothing more than that.
Sample Pay for delete letter / Pay for deletion letter:
Name of Collection Agency
Address of collection agency
Re: Collection Account for Original Creditor Account Number
Amount: $50.00
Dear Collection Officer,
This is for your information that the validity of the debt has been disputed. I am not aware of the account number and neither did you inform me regarding the existence of this account.
I am willing to pay this account IN FULL (or a settlement percentage, whichever is feasible) if you agree to immediately delete the account from the credit reporting agencies (namely Equifax, TransUnion and Experian) that you have reported to. My sole purpose is to get the item removed from my file. It should not be interpreted as recognition of the debt as valid or acknowledgment of liability for the same.
Incase you accept the terms of the agreement, the certified amount of $50 will be sent to the collection agency provided there is complete deletion of any reference to the debt from my file, from all the credit bureaus that you have reported to. As the full amount demanded will be paid back there should not be any waiting phase regarding the deletion of the items from the reporting bureaus.
Your agency should be deleting all information regarding the account from my credit files within 10 calendar days from the receipt of the payment as mentioned in the agreement. The terms of the agreement will not be discussed with anyone but your client on this account. No third party should be informed if contacted. No acknowledgment of debt or any kind of payment or settlement should be informed if contacted by the Reporting Agencies.
Following the acceptance of the agreement please prepare a letter on your company letter head unambiguously agreeing to the mentioned terms and conditions as the above settlement offer and have it signed by the authorized signatory of your agency. The letter will imply a legal contract, enforceable under my state laws.
In case I do not receive any approval letter within 15 days of your receipt of this letter I will withdraw this offer and request debt validation as per the Fair Debt Collection Practices Act.
Please communicate regarding this account to the address mentioned below.
Your Name
Your Address
State Zip Code.
Hi abigorbot,
You said that they have already validated the debt. Why don't you send them a debt settlement offer letter first? After they agree to your offer, you have to send a debt settlement agreement letter followed by a pay for delete letter, of which you have an idea now. You will get some idea of an offer letter from http://www.debtconsolidationcare.com/letters/sample19.html . This should help you in stating your point clearly. However, always remember to send the letters via certified mail.
Thank you Justin for the link. I had looked through the sample letters here and asked in the pay for delete thread. I was told that I could modify that letter with arrangements.
I just sent out the letter yesterday. Do you think I should send out a debt settlement agreement letter or wait?
I'm so very stressed out by the whole thing right now.
abigorbot,
I would probaly wait to get a reply from the first letter. Let them agree to the debt settlement offer letter and then follow through with each of the other letters. One suggestion is if they do not agree for a pay for delete could you possibly offer to pay the balance if they would agree. With the debt looking as if it is only $50 it would be a small cost to pay to just get it iff your record. I would tr the settlement amount and asking for a PFD first. I am just suggesting another route if they do not agree for the PFD<
Hi,
I think you should wait before sending out any other letter. First let them reply to your pay for delete letter. See what they reply to that and then plan to send another one. When you get a reply to the letter you have sent, go through it properly.
Fireyone:
The debt is more than $50. I pasted a copy of the sample letter in my post. When I first talked to the agency, they offered $7k. Now that I have all the paperwork. The difference between the original loan amount and what was charged off would be $6k. I offered $6k with $100 monthly payments. Debt has both mine and my ex's name on it and he hasn't paid anything on. I had been the only one that had made any payments.
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How Police Found This idaho Woman's Killer
Shelby Wilkie were located in a suburb of Asheville, Where she treated the Asheville Radio Group. She met her husband Michael Wilkie through an online dating site.
Two months into their marriage, Shelby and erina married on Oct. 10, 2010. They endured Michael's daughter from a previous marriage and their baby Sydney at Michael's home.
with the restraining order, Shelby said Michael attemptedto restrain her from leaving for work, attempted to forcibly remove her wedding rings from her finger, Broke her fingernail and car door and scratched her arm.
Six months within their marriage, Shelby called the authorities again saying she had bruises and cuts on her face from Michael. Michael was faced with assault and agreed to attend anger management classes at Mainstay, A domestic violence reduction agency.
and also on Oct. 19, 2011, Eleven days after their daughter was given birth, michael called police about Shelby
"I wondered if you can send someone here, Michael told the 911 provider. "My wife is consuming, And she's performance crazy,
Nearing the bottom of her rope, Shelby went to attorney Greg Newman to draw up a split up agreement.
"She thought this possible, Newman said to "20/20, "and so the way we left it was that she would speak to Mr. Wilkie, Her partner.. She would revisit my office, Tell me what to put in the agreement,
title:thursday, Dec. 31, 2011 on the, jan. 1, 2012
text message:Shelby's family sees her going back time.
Just a few months before she was reported missing, amanda-m Casey, One of Michael's two ex wives and the mother of their 10 year old daughter, Said Shelby entitled her.
"and she or he said, 'I just want to ask you some reasons for having Michael, could be the OK?'" Casey commanded "20/20, "and i said, 'Sure. Shelby, If there is anybody that knows what your situation is. rrt is me.'" Casey said Shelby never called her back following that call.
On New summers Eve in 2011, Shelby and her family accrued at her brother Bill's house in Asheville, While Sydney was aware of Michael.
"We exclaimed our goodbyes date in spanish and hugged, And I distinctly remember looking and watching [Shelby and her bros] walk away, Shelby's mother Jan Sprowls said of seeing Shelby the past time.
On New years Day, Shelby texted her cherished ones at 4:52 pm to advise them that things had taken a turn for the worse and that Michael had taken her rings.
"I texted her and said at this moment okay? And a text delivered, 'Yes,or,--" Sprowls recalled. "i absolutely texted her back and said, 'Call my family, And let me know really are okay.' And I waited and I waited slightly and a text came back and said, "I'll call you later,
It was the last time Jan ever been told by Shelby.
"And I traveled to Bill, and i said, 'Something's not privilege. Something is very not right,'" Sprowls told.
title:sunday, january. 2, 2012
text message:Shelby's dad calls 911 to file a missing persons report.
By Monday nighttime, After not talking with Shelby, Her dad Bill Sprowls, jr, Went to her and Michael's home and located that her car was gone.
Michael told them he hadn't hear from Shelby since she left for work that morning in her black SUV and hubby left her several messages on her office voicemail. but yet, Shelby's parents said she would not start working that day because it was a holiday.
After two more time of radio silence, Bill Sprowls called 911 to file a missing persons report for his daughter.
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Online valentines
a few months ago, I found myself all of single. I was dumped. And to feature insult to injury, the very last time I dated, Original installments of "Seinfeld" remained as being aired.
not knowing where to turn or what to do, I took the advice of a friend and looked into international dating. I was amazed at how many internet dating are out there: compare with, AmericanSingles, faithful, EHarmony. The list really is limitless. Most of the sites have the same general requirements: Post the picture, Write a blurb about yourself and who to finally meet, Mention a few desires and demands, And so!, you're a swinging Internet single.
A search engines! investigation for "international dating" come back 16,300,000 dividends. The organization's boast that it offers "Millions of the opportunity to meet your latino dating match, appealed to me. These odds seemed appealing.
Once I got to the place, The agony commenced. The process to become a database dater has four steps: Make a profile, Add footage, register for the service and start "Winking" And sending e mails to able women (Or sexually ripe males, no matter which the case may be).
penning the profile comes first and takes the longest time. I was going to sound suave and alluring, But I couldn't shake the feeling that I was the world's biggest dork for resorting to creating an online business to find a date. After much intrinsic debate, I in order to be completely honest. I wrote that i am a rich, Handsome man who would appear that a mix of Brad Pitt and Jude Law.
knowledge of my profile I moved on to submitting a photo. This put an important kink in the Brad/Jude plan. If i must come clean, I don't really look very much like either. I went back to Step One and tweaked for more truth: Tom purple and I look a lot alike. If you remember the former Mr. received Barrymore, You also remember that he was no Brad or Jude.
technically speaking, Inserting a photo on the site is simple. ranking well which photos to insert, on the other hand, Has been the explanation for many a Ben Jerry's binge. usually, I don't normally appear in pictures your camera usually catches me making a face similar to that of a baby with gas. if you do more flip flopping, I managed to find a few photos that I felt decent putting online.
very well, I made it from first two steps and I've lost my self esteem and gained an ulcer. is not very this fun? the next phase is subscribing to the Match service. As I'm stopping my $24.95 for the month for all this passion, I begin to wonder if I should not just stay single, Or meet a girl the outdated way drunk and in a club.
I finally get through to the final step, The guaranteed Land. I now get to look at the millions of beautiful women who are clamoring for the best to go out with me. Ladies through a pulse, essentially) And I get 255 earnings. just about the millions I had expected, But I'm only trying one. chances still good.
I narrow down my choices using the search engine's advanced features. This takes my long term pool of dates down to 75. Once I realize that some of the girls weren't online in two or more weeks, the quantity of falls to 50.
With the very last 50 girls, I start in pictures. I pick out the ones I like you have to sending e mails. until now, I've sent 25 e emails. using month, I received five reviews. such types of was from an out of towner who wanted to know which clubs were good. It's nice to know that I'm just a glorified classifieds directory.
I did get to land a few dates through Match. My suffers were never completely awful, But they were easily awkward and weird. Most people from what I can tell tend to put exceptionally flattering pictures of themselves online, Giving others a misguided idea of the things truly look like. While I'll confess that I put a lot of my better photos up, I can at any rate say that my pictures were a) Taken a bad press lately, f) Actual imagery of me and c) Not charisma Shots.
People also tend to hold back on disclosing relevant details until you're stuck in a social setting where it would be considered impolite to get up and run away. Some charming experience starters included, "My last boyfriend always beat me" so "My drug problem is solving nicely,
Nothing tops one of my friend's reviews, even when. She met a guy through Match and they decided to date. connected with gentleman, presently debonair, Took her to carl's junior for their first meal together. Once they arrived at the eating place, He informed her that he had ignored his money and he was just going to watch her eat. We do are living in Charm City, so?? The most fabulous part of the whole situation is that this guy was hurt that she didn't want to go on a second date! I guess the prospect of compensating for her own Taco Bell just overwhelmed her.
What's the conclusion? dating foreign girls is not for everyone. I have heard of success stories (They're pasted all over dating companies' web-pages) And I know a girl who met her fiance website.
As for me, I'm done with online services. While I enjoyed the feeling of hope that the particular web gave me, I'm still partial to meeting girls face-to-face. I actually met someone already, And it just felt better to have met face to face in the first place. in spite of everything, The allure of the on-line world is strong, And I can't knock anyone for handing it out a try. at some point, Love could just be a click away.
Follow these guidelines for the best luck with online dating:
be honest. if an individual feels deceived on a first date she's not going to go back for seconds.
Post an ongoing picture. vintage, inaccurate pictures are dishonest. See law 1.
Be very discreet on your dates. Just because you talked to someone online or on the phone doesn't mean you should spill all of your secrets at once.
in due course, Don't get captivated. Use websites that are online as a way to supplement your dating life, Not as your only strategy of hope. without needing people obsessing over their computers in hopes of finally finding Mr. because,since Ms. Right is just very creepy.
Match and the other online dating services are tools which you can use effectively if you follow the rules above. dating is growing rapidly a painful process, But internet websites can make it a little easier. If you do go the internet route, Be willing to meet a few "interesting" consumers. also, it's always advisable to bring your McDonald's money with you, in the event.
Anybody leave their husband during pregnancy
As my time nears for me to welcome my daughter into the world I still can't seem to think that I am actually a single parent during this glorious moment that should have been joyous, But unfortunetly didn't work view I wanted. I am proceeding with the divorce and we have our good days and our bad days throughout everything that has happened. I have an excellent support system and I know I am not alone, But my support system ought to have been him. :(
Am I alone in this or is somebody out there studying itlike me as well?
extremely same here :or,--(. I thought we would end the relation of 13 yrs in the middke of this preg. I have been depress ever since even when I know your skin look for my family. Unfortunatley I dont have a good alliance now w my ex ( His deleted) But I am focusing on this 4 weeks that I have left I have been bless w good actions really joyful for my new addition. So one door closed today some has open after : ). Be impressive!
Feeling and considering much of the same. Very mislead and upset. Just found out husband started an online dating account and saw the pics he posted of himself today. We recently married this past April and I am 5 months as of yesterday. We've gone through alot together, I was there for him through alcohol and drugs detox and his recovery. He has duped on me (Physically to women not just online) Before and this new discovery has just made me feel heart broken after I let myself trust him again. Going to talk to him today and am ready to move on. Feeling fairly dumb, Mostly sad but I know that things will recover. Hang inside, We will get through this. He had his fluctuations being supportive and none supportive. One day during school I broke down into tears and realized it wasn't right my friends and teachers gave me good advice and helped me, On that same day I got home and told him I want him gone! He was shocked and said he never did anything to deserve this, I found him a couple of apartments for him and he finally moved this is the only time in my pregnancy I felt a relief tho deep down I never thought this would have happened too me
I am so sorry you have to check this. You are not alone. I am from sydney and married and American and I am 4 months pregnant. He is being psychologically abusive and doesn't even think he is. He has threatened me if I leave and go back to Australia where my family is, He will have me charged for kidnapping his child. I really don't get sound advice. I weren't able to work so I have no moldova wife money. He has never put me on any of his accounts because i've not earned enough here. without exceptions. hard and I'm feeling very lost and lonely. He arrive after me for sure if I tried to leave. i don't know what the laws are when the baby is not here yet, I'm so sad as all i want was a happy family. ;(
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russian mature women
aged in love
It is interesting to see young lovers singing about love in a fashion that takes you back to the old days
"Fairview is the proper storm of classic acoustic love song meets catchy pop radio. an individual's first EP, "Our Little a mistery,. Shows exactly who they may be: old, , This was Jammin Java's use to Fairview, Who will be performing in Vienna on May 30 as a helping act for SayWeCanFly. Their EP will be released this coming weeks.
Fairview was spotted by Tom Higgenson, The Plain along with white T's front man. Plain White T's is best known in the US for their number one hit song "hi Delilah, Fairview patrons are: he Richardson (Vocals, flute), Lizzy Zyburt (Vocals, house keys) Becca Stott (music).
I am concerned: How were you spotted by Tom Higgenson?
matt:We grew up kind of in the place where Tom grew up, And I actually ended up working at a grocery next to his house. thus, He tummy flatness, although in, And I was a big fan of this rock band, So I always acknowledged him, And we may talk, And I would inform him about our band. And he would always be great about it, And encourage me to keep goingOne day he saw one of our music videos and heard our songs, And he asked if we needed to have a writing session with him, And that ended up groing through very well, And from edinburgh, He been for a while signing us to be the first band on his new record label.
When did you begin your band?
LIZZY: We established as a band, Just commonly playing music, About six years ago and we were in graduating at the time. We weren't super qualified, But we had passion.
How did you get the idea to have a guy and a girl as lead singers?
LIZZY: prior to, Before we developed dating, We didn't write songs according to that, But us dating is how we started to create songs based around the aspect of a guy and a girl's level of view. It started a new way of writing and how our songs tell a story.
What made you believe of starting a band?
shiny: We were in this big line of friends, And we would likely hang out in each others' basements and just play songs that we all loved, And we wagered cover songs, however we started writing our songs. at this time we wanted to find a vehicle to get woman in russian those songs out and play them and record them. Once we started crafting articles our music, We wanted carryout a band to get those songs out.
Who came up with the specific band?
LIZZY: When we began writing, We didn't know what to call our self. There were a lot of days when we would examine dictionaries to look for band names, And it was kind of around that same time that we met Tom now, And his storyled us to be really moved. And the road that we met him on was called Fairview, And it is precisely what we ended up naming the band.
spot about your single "Our Little remedy"that might be released in the coming weeks.
LIZZY: The song itself is about finding a relationship where maybe you revisit someone who you used to date, as well, And ensure tell a lot of people, Because you're not sure if it will work out, And it hasn't years ago. It's about that time in a relationship when talk to your anyone to know about you. We wrote it based on just the specific song itself. When we began working with Tom, We didn't know individuals on his team, single him. And we were like his little secret some thing. And Tom proclaimed, "You should write a song called 'Our Little Secret' and that would be the name of the album.
how should you define love?
LIZZY: Love is honest and unique, And that feeling of all those numerous emotions, Caring about each other more than you.
How does it work to be in love and to interact?
LIZZY: We're able to uncover so much further by being together. We both have the same end goal, And it's been such a huge time. We are so lucky be on tour and also be together. A lot of people have to go to work and don't get to see their mate for 8 10 hours a day, But it's been amazing going togetherit's been really fun.
How did your love story start?
he: We actually met when we were really in the younger years, In a personal grade school; Lizzy was one grade through me. We grew up together with higher education, And i always had a crush on her. When we got into school, We kind of progressed into this relationship, meet ukrainian girl And it just kept recovering.
How can you describe this correlation?
matt: It's like a enterprise, but it's super caring; We're always there for one other, especially in music, And we always have which the other one kind of needs, Like when we're developing a song. "Our Little magic formula" is an ideal example. Lizzy wrote the road: "Let's make at some point our little secret, And I gave them: "For only our eyes would ever trust it, That's a perfect example of our association, Just helping each other out and being nice to each other.
LIZZY: I would say that he definitely makes up for things that I lack, [in addition to ] with music, but in in life. I can get super stressed out about something, And he helps me recognize that it's not something to stress over. I think we are made for each other in that sense. We're super lucky to are recommending each other so young.
subsequently, Does this suggest that most of your songs will be about love?
he: obviously, probably.
What should the guests expect at Jammin Java?
he: There are a couple of different songs, And all kinds of different emotions on the CD. The lyrics are very honest, it's mainly acoustic; there can be one song with drums, But devices is acoustic. they should expect a laid back, emotionally charged, Yet fun feel to this CD.
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