Debt settlement help!

I am going to use the sample letter from this site to negotiate my debt with a ca and have the negative listing completely removed from my reports. On my credit report it shows the oc with a "charged off as bad debt" and also shows the ca with a listing of "collection account". Should I be dealing with the ca or oc? If I get the ca to agree to a settlement and delete the negative listing then what about the oc's original negative report? I want to wipe them both clean, any advice? Thank you.

[Jeanie]

shounmarsh,

It wouldn't hurt to try anything. All I can tell you is all they can do is say no. All companies are different so, you just have to try anything! I would call the ca first then the oc..it takes time to wipe these kinds of things clean and I wish you luck! Keep us posted on what happens!

~Jeanie

You can attempt the PFD, but don’t count on it. If you make the settlement offer, and they don’t accept it, then you send in validation, and if they validate it, don’t look for a settlement again, look for a summons for court. Anytime you send in a dispute letter, they have to cease collections until it is validated. They are not required to respond to your validation request within 30 days; they can take 3 months or 3 years if they want.

[Jeanie]

Thanks for the post steaven!!