Can you PFD a creditor directly?

Hello,

 

I have an account with WFNNB that has a lot of 30, 60, 90, and 120 day late marks. It’s currently up to date as far as payment goes and they have placed me on this “hardship” program that lowered my interest rate and lowered my payment. However, by doing so, even when i’m making my required minimum payment it’s still showing 30 days late every month when I was never aware of this.

According to them, when your on the hardship program and you carry a past balance, even if your making your new minimum payment on time, there’s still a past due balance being carried over.

 

Needless to say, this account is killing my scores and ruining my credit. The balance on it is $3,500.

 

What should I do? Can I PFD them even though it’s not in collections? If so, can I offer to pay lower then then the amount owed (ex 80%) or is that asking too much since its not in collections yet.

 

I really don’t see the point in paying on this account anymore because its so damaging to my credit. I was thinking let it go to collections, then PFD the collections agency if I have a better chance.

 

Any recommendations? Has anyone been successful with a PFD directly to the OC before having it sent to collections?

 

Any input would be appreciated.

 

Thank