Hi!
Yes whatever you do, don't communicate with TSI (Transworld). We probably spoke to the same man named Brandon. He was very dismissive. When I called, we agreed on a payment plan for the full amount because they refused to accept the amount I was willing to pay. When time came for payment, it never went through or got processed. So I called back, same guy answered and he acted like we hadn't spoke. From what I read, assuming I claimed it was my debt, the statute of limitations for my debt was reset.
I emailed two addresses:
[email address removed]
[email address removed]
In that email, I stated I wanted to reconcile a debt, the amount it says I owe and how much was already offset in tax returns. State what you're willing to pay X to settle your debt and that you tried to talk to TSI but to no avail that they wouldn't honor it and will not communicate with them further. In doing so, I got replies a couple days after from their office agreeing they'd accept that amount by X date and who to contact. MAKE SURE TO ASK FOR A PAID IN FULL LETTER for your record as well as it be removed from collections after paid. It happened for me! I got a PIF letter some time later and it reflects my credit report as paid in full.
I went to a local Navy Exchange and because I didn't have my physical Military Star Card, they gave me a phone number for collections which is [phone number removed]. That is the number for AAFES. I made the payment with them for the amount I could afford. It was confusing since ironically after I made contact with AAFES, Transworld sent a letter in the mail asking for the amount I wanted to settle for. Very strange. Now I'm not entirely sure if AAFES communicates with Transworld but I suggest never contacting Transworld directly. I disregarded that letter because I had already made a payment with AAFES by that time.
Good luck. Let me know if I can clear up any confusion or if you have any more questions.
