Pay for Delete Letter in Florida
An offer to pay a collection account in exchange for the collector asking the credit bureaus to remove it. Collectors are not required to agree; get any agreement in writing before you pay, and check your state's rules on whether a payment restarts the time limit to sue (below).
What Florida law says
| Can a payment restart the clock? | An acknowledgment of, or promise to pay, a debt that is already time-barred must be in writing and signed by the debtor to be enforceable. The statute does not address the effect of a partial payment made before the period runs. Source: Fla. Stat. § 95.04 |
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| Time limit for credit cards and open accounts | 4 years for a contract, obligation or liability not founded on a written instrument, including store accounts. An action to collect medical debt for services at a licensed hospital or other facility has 3 years, counted from when the facility refers the debt to a third party for collection. Source: Fla. Stat. § 95.11(3)(j), (4) |
Fill it in
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[today's date]
To: [collection agency name and address]
Re: Account [account number]
I am willing to pay $[amount offered] to resolve this account in full, on the condition that you ask each credit bureau to remove the account from my credit reports.
If you agree, please confirm these terms in writing on your letterhead before I send payment.
This letter is not an acknowledgment that I owe the debt.
[your name], [your address]
Pay for Delete Letter for other states · Florida tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.