Settlements with collections

[Guest]

Hello,

I was wondering if anyone has had good results with settling with collection

agencies?

Per a website:

The collection agency purchased the debt from the original creditor for

pennies, so you can offer them like 25%.

I had to break a lease because the apartment I was in was dangerous for a

single woman and the management did nothing. When I moved in there was no

hot water for the first two days. The “gated community” was anything but

gated and they did not fix it. I had to call the police to chase drug

dealers from my parking spot. The upstairs neighbor cursed and screamed at

me in front of my small child the day we moved in, he screamed at his

girlfriend upstairs so badly that I had to call police, he got into a fight

in the parking lot one night, and he ripped out the handrailing to my

apartment on the way up to his because he was angry. Management continued

to turn a blind eye, so I left because I had just been through a round of

domestic violence and couldn’t take any more.

I tried to make payments on the 1.5 months rent they charged as lease

breakage and they returned the checks, stating that they only accepted

payment in full. They turned me over to a collection agency who immediately

added horrible fees and interest. I made payments to the collection agency,

which they accepted but kept sending me letters of “this is not

acceptable.” They sent it to court without telling me and then obtained a

garnishment, except that they named a workplace where I no longer worked, so

that got them nowhere.

I’d like to settle this and get it off my credit record, as I’m clean

otherwise (except for ex-husband’s debt), since it has been harmful when

attempting to rent now. Any tips?

[Author]

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