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What is debt settlement purgatory? It’s kind of like the sideways time line in the final season of “Lost“. Confusing, frustrating, but does ultimately lead to nirvana. My account had left the Collections Department, but wasn’t yet in the Recovery Department.
Apparently, there is a dead time after collections but before recovery. The account is technically charged off, but doesn’t appear in any particular department. It’s like when you send an email and it leaves your sent box but never hits your outbox. You know that just a moment ago it DID exist, but due to technology, you can’t find it. Well, this was a nut to crack. I had come this far and wasn’t going to let the critical last 2 weeks of the year get away from me.
Someone would have the answer. Someone would be able to wrangle my account. I just hadn’t found that person yet. Where was my Jacob? But remember what I had said at the beginning of the journey:
TENACITY AND HARD WORK
So I put my nose to the grindstone and called, and called, and called again. I kept telling my story over and over to rep after rep. I kept getting the same answers over and over again, “I am sorry Mr. Grossman, your account is not in my dept. It is on its way to the recovery dept, but won’t show up on their system for another day or so.”
According to the Recovery Department, the absolute latest it would hit them was 1/1/10. But that would be the beginning of a new month and a new fiscal year and this would likely hurt my negotiation.
It went on and on like this for 10 days. I had prepared myself for the big day of settling these 2 enormous accounts. Settling $100,000 seemed almost within my grasp. I could taste the relief. Each day I woke up, I said to myself, “This is the day!” I would get all amped up and prepared, then make the call only to find that I had to wait another day. Time was getting thin.
It was December 22 – dangerously close to December 31st, the end of the year.
How would I get “unLost”?
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