Greeting all!
Opinions requested...
I have received what appears to be an unsolicited payment settlement offer from a collector named Tate and Kirlin. They claim to be collecting for LVNV Funding on an old Credit One account that I did default on 3 years ago. They are offering to settle for 20% of the total claimed due and state that if I pay, LVNV will delete the trade line.. For $152.41 I am temped to take the offer. Even though NC statute of limitations has run, removing this trade line would be welcome since I am planning a home purchase in 12 to 18 months.
Here is my question: Does anyone here have any experience with this kind of offer? Does it sound legit? Would accepting this offer reset the clock? Has anyone here had one of these offers that was the real deal?
Opine one and all, please!