Paying money I don’t necessarily have, to people I don’t really owe, for reasons I don’t fully understand.
Succumbing to Extortion Filter: How should I pay back a debt I don’t really owe, to a collection agency that’s been hounding me for years, to make sure it doesn’t appear on my record? More inside. This is a follow-up to my first askme ever. has it been that long? I’ve been disputing an illegitimate pair of debt collections for nearly the past three years, and it’s been a rotten experience, as would be expected. After having these debts on my credit reports, (successfully) fighting to have them removed, having them REappear on some of my credit reports, again having them removed, I’m about ready to give up.
People wiser than me have pointed out that the entire sum is about $320, and I should just suck it up. I’ve argued that besides the principle of the thing, there is also the fact that even once it’s paid, it will stay on my report for seven years, and I’d rather avoid that.
In the mean time, my friends the collection agents have confused me with my brother, and started going after him. Not knowing any better, he gave them his address, and now my credit reports have HIS address on them. They’ve threatened his credit, but it’s unclear if they meant him or me, or if they *really* know who he is enough to wreck his credit. I’ve instructed him not to communicate with them any further.
At the moment, there is no record of the debts on my records, except for some minor detritus of my dispute on one of them. So, I figure it makes sense to seize the opportunity, and pay the damn thing. I’ve already spent more than this amount in time and tears trying to make it go away.
I’ve read that I shouldn’t pay by check, as that just provides them with more of my personal finance information. actually, since i’m out of the country, it would be my mom’s check, and I certainly don’t want them to have any more family member’s information. . So my plan is:
* Pay by money order
* Send it via fedex, so I can prove their receipt (easier for us than certified mail, though obviously more expensive).
* Include a letter.
And here’s the question:
I’ve been advised about this letter thing, and I’m looking for help with crafting it. Basically, the advice from a lawyer (fwiw), was to write that I protest my liability for the debts, and by them cashing the money order, they relieve me of all debts, and agree to ensure that no record of these illegitimate debts appear on any credit report.
How should this be phrased? Should I threaten a lawsuit if it does appear on my record? What other steps should I be taking to make this all go away as simply and painlessly (ha. ha.) as possible?
at this point, we’re hoping to avoid fighting it, since the sum is (relatively) small, I’m abroad, and we’d rather it just go away
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