Here is a peek at what our PFD (Pay For Deletion) letter looks like. We are sending these to legit creditors and collectors that we want to just pay and remove from the credit as soon as possible.
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AFNI
PO Box 3097
PO Box 3097
Bloomington, IL 61702
Re: Collection Account for Verizon Account #: XXXXXXX
Amount: $199.00
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Experian credit report – which omits the last few digits.
In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of One Hundred Ninety Nine Dollars ($199.00) will be sent to AFNI in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
AFNI agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, AFNI will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of AFNI. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked NO LATER THAN FIFTEEN CALENDAR (15) DAYS from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Do not call in regards to this account. If you have any questions please address all written correspondence regarding this account to:
**Our names and address**
Thank you,
**Our Names**
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And here is a peek at what our DV (Debt Validation) letters look like. These are being sent to the creditors and collectors of accounts that are very old, are not recognized, we feel might be a mistake or have been paid, etc.
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AFNI
PO Box 3097
Bloomington, IL 61702
Re: Collection Account for T-Mobile Account #: XXXX
Amount: $773.00
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Experian credit report – which omits the last few digits.
I pulled my credit bureau reports, and I discovered that you claim I owe you a debt. Under § 809 of FDCPA, send me validation of this debt. Since I have just recently pulled my credit report I am only now aware of your collection acts on this account. This puts me within the allotted time to dispute this debt.
As per the FDCPA I would like more than just validation of address. AFNI needs to send me validation containing the original creditor’s name and contact information, debtor’s account number with original creditor, all debtors listed on the account, final amount owed to original creditor, your collection fees, date of last payment, and copy of the original signed contract between the debtor and the original creditor.
If validation of this debt is unavailable then you must remove all reference to the listed account and any payment history or monies owed from all three credit reports (TransUnion, Experian, and Equifax).
If validation is provided as requested I will need THIRTY CALENDAR (30) DAYS to review the debt and make a determination of how it can be satisfied. During this time period it is requested that no collection acts take place. Hopefully then we can come to a mutually acceptable agreement for debt satisfaction.
Do not call in regards to this account. If you have any questions please address all written correspondence regarding this account to:
**Our Names and Address**
I appreciate your quick response to this. Thank you,
**Our Names**
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Feel free to use these if you like so that you can do the same.
I will be mailing these out to most of our accounts on Friday using a return receipt requested so I can verify the date they received them, and that they have. I am not quite sure what I am going to do if I never hear back, or how soon I will send the next one. We will see what happens.
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