Before reading this article, please visit:
If it has been a few weeks and you still haven’t heard back, here are some steps you can take depending on the type of request:
1. Try increasing your offer
Try raising your settlement offer or installment amount to see if that gets your collector or creditor interested. You can see recent payment arrangements and learn about which negotiation strategies worked by visiting each collector’s page.
See How to make a successful offer? for more info.
2. Escalate your offer
Click on the “I haven’t heard back” button next to your offer to access our escalation features. These allow you to turn up the pressure on your collector by sending a final notice, or by sending your offer directly to your creditor (when you’ve sent to your collector). You can only escalate 2 weeks after sending your offer.
See How do I escalate my offer? for more info.
Remember, making a settlement offer or requesting a payment plan is a negotiation. Collectors and creditors have no legal obligation to accept what you send them, or even to respond to you. However, collectors and creditors have an incentive to reply, and most will.
All Request Types
1. Help us ensure we have the most accurate information
In some rare cases, collectors or creditors may use different addresses for different types of debt, etc. Send a picture of any recent communication from your collector or creditor to email@example.com so we can make sure we use the best address.
2. Understanding your rights
Consumers have a number of powerful rights protected by the FDCPA and other federal and local regulations. Some of these rights differ depending on your state, the time since default on your debt, and the type of collector.
You generally have more rights in dealing with third party collectors than with creditors, and so many creditors might be less likely to respond to a dispute, stop call request, or offer.
3. Don't be discouraged
Creditors and collectors are still learning how to best respond to Engage, so sometimes it can take a bit of education or extra time to respond. Don't be discouraged if you don't hear back right away. Keep us updated on your progress and we'll help you through the process!