Pay or not?

Got debt collector letter asking to settle debt.
1st deliquent- 07/2010
Amt - 349
Settlement amt - 175
Original creditor spring leaf
Current buyer -lvnv
Its past SOL. Should i settle? Please need advice.

dennisrichards wrote:
Thank you all for your input. First source is collecting this debt on behalf of lvnv and after speaking to one of the csr agent i was offered the lowest settlement offer of 139, however it will show as paid in settlement. Should i contact lvnv directly to negotiate? If i do settle will this remain on my report for another 7 years time?
Any suggestions/input is greatly appreciated
ThanksI would not contact LVNV they play very hard ball and you may not end up with your best deal. It cannot report another 7 years just because you settle it. The max time it can report is 7.5 from the OCs DoFD, the JDB and CA cannot change that date if they do its illegal. If this is updating monthly its hold down your Fico so I would settle it and then switch to a GW letter campaign asking for removal of the TL.

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