Comments on: Help a Reader: Debt Obligation & Cleaning Up Credit Report

By: PT

PT — Thu, 15 May 2008 04:05:02 +0000

Thanks for reading through that one, ladies. I talked to Charles and it sound like he’s close to getting the release letter. I’m hoping to do a follow up.

Thanks for your comments.

By: Mrs. Micah

Mrs. Micah — Sun, 04 May 2008 00:12:20 +0000

I think that was good advice. If the company doesn’t think he owes it, they can put it in writing. If they admit it, perhaps he can work it out with them.

And he should NOT admit to the collections people that he owes the debt. It’s important for him to never let on even that he feels that way in his conscience. He should just say something like “the debt has been cleared.”

Otherwise they can use it against him.

By: Shanti @ Antishay

Shanti @ Antishay — Fri, 02 May 2008 23:02:14 +0000

Hooha! Don’t know about that one. It seems crazy that it would still count as debt, even after not reaffirming it in a bankruptcy…

I think your advice was solid. If the creditor refuses to take his payment, they obviously have closed it as bad debt and don’t intend to collect. So he needs to get that from them in writing, and then run around with the credit score companies to get it taken off his report (which is inaccurate).

I hope he gets it cleaned up! I’d love to hear a follow-up in a couple of months and see if anything’s happened as you predicted or advised.