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Lasifor1

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I send a letter of verification of debit and answered
I send a letter of verification of debit and answered with a copy of the agreement I made with the original creditor, anything I can do to Respert

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it has been verified.

if they verified the account then they have proven that you do owe the money.  Next step is to work out payment with the creditor, You can negotiate with them and see if they will take part of what you owe to settle the account (just be prepared to pay them in one lump sum) or if they refuse that, then try a payment plan.   Be sure to get them to agree to a "Pay Per Delete" so that the derogitory remarks will come off when you do get it paid off.   AND be sure to get any agreement with them in writting before sending any money.  They always seem to forget what they agree to on the phone so it is important get it in wrtitting.

Good Luck

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