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Helpfix

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How to get creditors to respond when trying to pay off debt
I have made several attempts to reach creditors to pay off a debt, however they are not responding, so I disputed them with the reporting agency and they confirmed, is their anything in the fair credit reporting that they have to respond

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Slow down and check it out.

I hope you are keeping a file of the communications with the creditors who are not responding, just to cover your bases. 

First thing is, you checked the debt and it has been proven to be yours?  I truly hope you got all 3 credit reports to check them out and make sure it is your debt.  It is not uncommon for errors to be made on credit reports.  If you haven't gotten all 3 reports, go to annualcreditreport.com and get them, check them out carefully.  They should be listing name and contact information on debts and also show payment history including date of last activity (payment).  Once you find out the last activity, search online for Statute of Limitations for collections and find out what the time frame is in your state.  It's entirely possible the SOL has passed and the debt is no longer collectable under law. 

If it is still within the SOL and the creditor doesn't want to collect, there is really nothing that can be done to force them to do so.  It's crazy, but so is this whole world.

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