- Yes, I have read and searched the forums.
- I know I am in the same boat as many others.
- We have been following Tom's "Strategy for settling your 2nd" thread.
Best offer received from WFHE so far is 20%. Our counters have been 5%. No offers have been received by mail.
My DAD just got a call from Primary Financial Services. A google search tells me they are a pretty vicious collection company.
What's my next step? Obviously, ignore PFS. Can I go back to WFHE and try to work on them? That flies in the face of Tom's settlement advice. However, since it has been turned over to collections, WFHE isn't going to get as much if they dealt with me directly.
I am tired, and I just want this over. I want a settlement. I want the "We won't sue you" letter. I want to negotiate having my credit fixed. (Our credit took the SS hit, as well as missing 2 payments.)
At this point I'd be happy if WFHE accepted 15%, plus the two missed payments of $200 each, IF they gave us the we won't sue letter as well as fixing my credit.
What do I do?Try to re-engage with WFHE?
Call Primary Financial Services?
How do I go about getting this offer? All offers so far have been verbal. I need to get rid of this soon, for my sanity and employment reasons.