hi   thats the problem erudio never admit that they just stick with its stature barred and if want us to remove it you have pay it off otherwise will remain.  its like  a black mail tool for them plus they're not under obligation to write it off.    also you mention they like debt collectors they no chance they write it off lol.  I really appreciate the reply you sent help a lot to clear some of my misunderstandings.    I let you know what happens with my meeti