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Ook i'm nearly 16, so i dont have a full time job yet.
But what do you do? Do you like it?
x
Additional Details
Lol, i know job has only one b, i needed to ... |
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TRANSUNION 622
EXPERIAN 554
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between my two jobs i make about 2500 a month. no big obligations except a rent of 674 per month.... |
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Additional Details
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LC | Can I send a collection agency .10 on the dollar to pay off an old debt? |
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Sgt Big Red
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You must be aware that if you do this, you will reset your states statute of limitations on the debt if it has passed. Check this web site to see what your states SOL is.
http://www.bcsalliance.com/statute_of_limitations_on_debt.html
If it is time barred (past your states SOL), then sending in any payment resets the states SOL and then they can say no, see you in court!
If the debt is still within your states SOL, then you can make an offer but you have to make sure to get it in writing. They could come back and sue you for the balance owed if you did not get a "pay for deletion" agreement.
Hope this answer is of help to you
LEGAL DISCLAIMER: The answer provided here is intended for informational purposes only. It is not intended nor presumed to be legal counsel or professional legal advice
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HotpinkKitties
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10 cents? No |
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Jing
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You can IF you negotiate with them beforehand to accept and agree to (in writing) that as fulfilling your debt. |
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Char
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If they agree to it in writing, that way you have proof. The other answers here about the SOL are correct. It would probably be in the best interest of your credit, depending on the age of the old debt. If it just has another 6 months to a year falling off your credit report then I would probably just let it go. The link to the site I included also has a letter you can send if the SOL has in fact expired so that the agency will either leave you alone or take you to court. If they did take you to court, which isn't likely, all you would have to say is that the SOL has expired. If you do decide to try and work out a settlement just be sure to get it in writing before making any kind of payment to them, and make sure when you pay it they update your credit report with the proper info. |
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Rapid Shae T
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i don't think it will work for you. |
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JEFFREY R
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first,you should collect some resource by searching the relevant keyword in search engine,if you got good luck there ,then your problem solved.however,if you are not able to find the ideal answer by doing that,here http://www.DebtFreetips.info/debt-free.htm is the resource i recommend.
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kapn
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Sure.....but it won't work........pay up......... |
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SlimMick
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It would help if you would clarify:
What type of debt is this...is it charged-off credit card debt?
How old is this debt?
Paying off really old debt may not be in your best interest...especially if this is old defaulted credit card debt.
There is a statute of limitations on debt...check to see if this has expired before you start cutting checks...
There is a statute of limitations for credit card debt, which is the amount of time that they can successfully take legal action against you for the debt. This time period varies for each state. You can find this time period for your state by going to the link below and looking under "Open Accounts."
http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
If your debt is older than the time period listed for your state, they can no longer defeat you in any court action because the debt is time-barred. This does not mean that they can't try to collect the debt...it just means that they've lost the power to take legal action....all they can do after this point is annoy you...
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