Ags, I need your advice.
I received a crappy phone call yesterday. A collection agency out of Dallas, pro-collect, left a voice message asking to call them back so I did to find what's it was all about.
Turns out a final electric bill from January 2014 was never paid. F me right? Anyways, I'm waiting for the debt verification letter to arrive before I make my next move. I think I have two options (please correct me if I'm wrong):
1. Send a "pay for delete" letter to the collection agency in hopes that they will agree to delete the debt from my record if pay the full amount ($99.60). Hell, I'm willing to pay double...
2. After talking to several reps from Gexa Energy, I was told I could pay the bill through the automated system and get a payment confirmation number. Then Gexa would contact the collections agency and I would get a letter saying the debt has been cleared and taken off my record. This is all based on what the rep said which I don't trust 100%.
Apparently Gexa has a collections department I can call so I will try on Monday. I'm trying to find out wether the debt was sold to the collection agency or if Gexa just contacted the agency to try and get paid.
My worst fear is I pay the debt then it's marked as paid and it still shows up on my record at some point. Again the collection hasn't hit my credit yet.
Thoughts on how to handle this?
TIA!
I received a crappy phone call yesterday. A collection agency out of Dallas, pro-collect, left a voice message asking to call them back so I did to find what's it was all about.
Turns out a final electric bill from January 2014 was never paid. F me right? Anyways, I'm waiting for the debt verification letter to arrive before I make my next move. I think I have two options (please correct me if I'm wrong):
1. Send a "pay for delete" letter to the collection agency in hopes that they will agree to delete the debt from my record if pay the full amount ($99.60). Hell, I'm willing to pay double...
2. After talking to several reps from Gexa Energy, I was told I could pay the bill through the automated system and get a payment confirmation number. Then Gexa would contact the collections agency and I would get a letter saying the debt has been cleared and taken off my record. This is all based on what the rep said which I don't trust 100%.
Apparently Gexa has a collections department I can call so I will try on Monday. I'm trying to find out wether the debt was sold to the collection agency or if Gexa just contacted the agency to try and get paid.
My worst fear is I pay the debt then it's marked as paid and it still shows up on my record at some point. Again the collection hasn't hit my credit yet.
Thoughts on how to handle this?
TIA!