Medical debts delinquent
I am planning to buy a home but I have 14 delinquent accounts on my credit report. All these delinquent account are medical debts adding up to about $3500. Apart from this, my credit is good and I pay all the other accounts on time. My home buying counselor has asked me to call the CA and negotiate for debt settlement. So I called one and of course was told they could not delete and I paid the bill. Afterwards I did some research and realized that is NOT what I should have done! Now that account will be marked as current! Do I send a PFD letter to the CA or should I call and work out a PFD? How do I do so without claiming the debt? Do I contact the OC? How do you know if the OC sold off the debt?