The situation has evolved and is not less confusing. The laws don't make it easy the general population to take care of their debts should they wish to do so.
So fast forward to October, my partner decides that he wants to do the right thing and he sends a one-time payment for the entire sum owned York University to the collection agency (D&A). Keep checking his credit report and no update that the debt was paid in full (there is only a collection entry, no trade).
Contacted D&A and they confirmed that everything is paid off, no more money owner and that they notified York. They said they can't update/remove the collection entry as it was put there by York and to contact them.
My partner managed to login to his York account to see that: - Last payment (when the debt came in default) was April 2010 - They made a account adjustment bringing the balance to $0 in April 2012 with a note "Due to York - refuse all services" - They received payment from D&A in November 2016 and made another adjustment to revert the note refuse all services
So this debt has been in default since April 2010, was posted in collection to Equifax in December 2014 (more than 4 years later). It should have been completely removed from collection in April 2017 but now that he paid in full, what can he expect? At best it will stay on his credit report as a collection for another 6 years now that he made full payment?
Realistically, what the point in paying a debt that is has been in collection for 5-6 years and is stat barred if after that it hunts you for so much longer?
He is really trying to understand what's the best with the second debt because it likely has similar dates (no payment since 2010). It's small and has the money but it seems paying it off will do more harm than good.
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