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ShelbyPanter

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Disputing Credit Reportings?
When you offer to repay your debt to a creditor and refuse to accept the payment, has any one had an experience with this, where they were able to then dispute the charge??

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No one (especially the original creditor) HAS to accept any form of reduced payment as settlement on a debt.  That being the case, you should be prepared to make good on the payments as stated in the original contract.  You can always try negotiating (and this should be done in writing with copies retained for reference) and that requires compromise on both sides, but it doesn't always work and you shouldn't be counting on that to solve your debt problem.

Top Contributor
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If they are unwilling to accept payment on the account it may have been sold to a collection company, if they did not give you the name of the collection company that now owns the debt and they would not accept your payment in full for the account, then you may want to find a lawyer that works with FDCPA cases and in addition to that maybe file some complaints with the BBB and the attorney general of your state.

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