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I had a credit card debt that ran up to $3000, and is now $3500 after interest. My credit card company sold it to NCO financial services, and I want to clear my debt.
I had initially been offered a settlement of roughly $1400 from United Recovery Systems, and I paid $200 to them but could not meet their deadline of 3 months.
I tried to call NCO and got the run around, is there a way for me to pay off my debt to a similar offer I receive? I have some funds available but nowhere near enough for the full amount.
Does accepting a settlement also hurt my credit rating even more? Does paying a settlement help repair my credit rating?
a) Communicate with the debt collector-
I cannot answer your first question definitively because I cannot speak for the creditor. Continue to try to negotiate your debt! Look at your account from the collection agent's perspective: You defaulted on the credit card, which sold your collection account to the collection agent. You and the collection agent reached a settlement agreement, which you defaulted on. Bluntly put, from the collection agent's perspective you lack credibility. The owner of the account has also changed, so whatever original agreement that you had with United Recovery Systems will not be valid or binding with NCO (both are two of the largest collection agencies out there). Lastly, stating the obvious, if and when you renegotiate, be sure to get the new terms in writing before you settle your debt and then make the payments timely.
b) Negotiate with the debt collector-
Your best bet is to save as much as you can over the next month or two. Then approach the collection agent and offer a lump-sum settlement and not a payment plan. Start at 10 cents on the dollar and work up from there. Get all offers and agreements in writing. Keep accurate notes and records. Pay promptly with a cashier's check.
c) Take steps to rebuild your credit score-
Regarding your second question, accepting and paying a settlement offer will not harm your credit score. One negotiating point is to ask for a pay for delete, which if accepted will help raise your score.
do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment
CA is NCO
debt settlement
Hi abu,
is there a way for me to pay off my debt to a similar offer I receive?
You will have to talk to the collection agency about the payments.
Does accepting a settlement also hurt my credit rating even more? Does paying a settlement help repair my credit rating?
Debt settlement hurts your credit score as you are required to miss payments before you can settle your debt. Only if you can remove the negatives by negotiating a "Pay for delete" agreement, it can help you in improving your credit score.
Thanks,
Aaron
I think that it would help if the OP would answer my questions. But if you follow all the steps. Send a DV etc, then you will have a better chance of negotiating a deal
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Tiffany's sister Chloe said the practice was out of character for her sister and she would have resorted to it to fiscally support her family.
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