Pay for Delete Letter in Oregon
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 Oregon law says
| Can a payment restart the clock? | Yes for payments: when a payment of principal or interest is made after a debt is due, the limitations period starts again from the last payment. An acknowledgment or new promise extends the period only if it is in a writing signed by the debtor. Source: ORS 12.230, 12.240 |
|---|---|
| Time limit for credit cards and open accounts | 6 years, the same as written contracts, because ORS 12.080(1) covers contracts express or implied (including oral agreements and credit accounts). Source: ORS 12.080(1) |
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 · Oregon 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.