Is it possible to entirely remove a charged-off debt?
Don’t do what mkultra says. If you feel the need to give scum money, at least get an agreement in writing that they’ll remove their reporting before you pay them. Regardless of all that, if they can’t document, they must remove the item from your credit report. That doesn’t mean you can’t pay them if you want to, it just means that they have to remove it. mkultra is way off base here. Actually owing a debt and what is on your credit report are two entirely different and only somewhat related things. On a ChatFiltery note, I don’t understand why it is that some people never graduate past a 10 year old level of understanding of morality, and insist you should just take your lumps, when in all probability the OP didn’t set out to con SPCS out of anything, but instead got into that situation through unfortunate circumstance. As I said earlier, if you do want to pay off the debt, that’s excellent, but you should try to get Sprint to recall the debt from NCO and pay Sprint, since they’re the
If you feel the need to give scum money Say what you want about the business model of debt collection agencies, but let’s not forget the original issue- the poster dodget a debt. This isn’t some kind of shakedown. I don’t understand why it is that some people never graduate past a 10 year old level of understanding of morality, and insist you should just take your lumps, when in all probability the OP didn’t set out to con SPCS out of anything, but instead got into that situation through unfortunate circumstance. I’m not suggesting that the OP is conning anyone. But your characterization of what happened as “unfortunate circumstance” is inherently at odds with: NCO offered me several enticing settlements, around 50% of the total debt. I ignored these offers as well and left them in the dark as to whether I would be ever be paying this debt. … I continued to ignore the situation. wierdo, you’re reacting as if some grave injustice has been committed against doomtop, that he should real
