Pay for Delete Letter in Utah
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 Utah law says
| Can a payment restart the clock? | Yes. A suit to recover a debt may be brought within the limitations period counted from the date the debt arose, the date the debtor makes a written acknowledgment or promise to pay, or the date the debtor makes a payment. Source: Utah Code 78B-2-113(1) |
|---|---|
| Time limit for credit cards and open accounts | 4 years after the last charge or last payment for a contract not founded on a written instrument (oral contracts), an open store account for goods, or an open account for work, labor, services or materials. Source: Utah Code 78B-2-307(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 · Utah 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.