Tell HN: Did you know you can negotiate price on many things?

Re:Tell HN: Did you know you can negotiate price on many thi... by _huayra_ on Sunday March 20, 2022 @10:40PM (#30749502)

I've always wondered if you can buy your own debt from collections and pay it off there, as some sort of soaring medical cost hack albeit tanking one's credit score.

[ Parent | on HN ]

Re:Tell HN: Did you know you can negotiate price on many thi... by axelsvensson on Tuesday March 22, 2022 @09:15PM (#30773722)

It appears you can. At least searching for "buy your own debt" gives results for entities who claim to help you do so, without tanking your credit score. "You're certainly not going to take legal action against yourself".

[ Parent | on HN ]

Re:Tell HN: Did you know you can negotiate price on many thi... by injb on Monday March 21, 2022 @08:49AM (#30753481)

Not sure, but you can definitely negotiate with debt collectors. They have been known to withdraw things from people's credit reports in exchange for payment. Especially if you play hardball and insist on seeing paperwork to prove they they have the right to collect.

[ Parent | on HN ]

Re:Tell HN: Did you know you can negotiate price on many thi... by xapata on Sunday March 20, 2022 @10:48PM (#30749560)

You can offer to settle, which is similar. A "settled in full" note goes on your credit report.

[ Parent | on HN ]

Re:Tell HN: Did you know you can negotiate price on many thi... by micromacrofoot on Monday March 21, 2022 @07:27AM (#30752750)

if you’re going to tank your credit score why bother paying at all

[ Parent | on HN ]